1st Advantage MortgageAbout 65% of Camden County homes are owner-occupied, and the median household income is $88,755. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- A quick profile of Camden County
- Housing costs in Camden County
- What Camden County households earn
- Work, industries and travel time in Camden County
- Towns and communities in Camden County
- Camden County next to its neighbors
- Budget math at the Camden County median
- Camden County residents: age, schooling, coverage
- Local borrowing considerations for Camden County
- A Camden County borrower's checklist
- Who licenses lenders for Camden County residents
- More guides for Camden County
- Frequently asked questions
A quick profile of Camden County
The latest five-year Census estimate puts Camden County's population at 527,257; only 7 of New Jersey's 21 county-level areas are larger. Land area is 221 square miles (2024 Gazetteer), so density runs near 2,382 per square mile. It is one of the counties that make up the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metropolitan statistical area (OMB, 2023). Camden is the biggest of its 44 Census places, at roughly 71,496 people (14% of the county total).
Housing costs in Camden County
Median gross rent, utilities included, comes to $1,402 in Camden County versus $1,720 statewide. Rent takes 30% or more of income for 55% of renter households here. With a median value of $287,100, a typical Camden County house costs 3.2 times what the median household earns in a year. Owners occupy 65% of homes.
| Camden County | New Jersey | U.S. county median | |
|---|---|---|---|
| Median gross rent | $1,402/mo | $1,720/mo | $877/mo |
| Median home value | $287,100 | $454,400 | $185,300 |
| Owners | 65% | 64% | 75% |
| Rent-burdened renters | 55% | 52% | 45% |
| Burdened owners | 29% | 32% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
What Camden County households earn
The median household income in Camden County is $88,755; statewide it is $103,556, so Camden County runs 14% below New Jersey as a whole. That places it 16th among New Jersey's 21 county-level areas.
| Yearly household income | Camden County | Gap to New Jersey |
|---|---|---|
| Under $35,000 | 20.7% | +4.0 pts |
| $35,000 to $99,999 | 34.3% | +2.6 pts |
| $100,000 to $199,999 | 30.8% | +0.9 pts |
| $200,000 or more | 14.2% | -7.5 pts |
About 21% of households earn under $35,000, while 45% clear $100,000. The poverty rate is 12.4%, 3 points higher than the state's 9.7%. Income inequality, measured by the Gini index, comes to 0.466 here. None of these numbers decides a Camden County application. Lenders weigh your own documented income against your own debts.
Work, industries and travel time in Camden County
The biggest employer of Camden County residents, by industry, is education and health care at 26% of workers, followed by professional and administrative services (13%). Compared with New Jersey, the county leans toward education and health care (26% against 24%). ACS puts five-year average unemployment at 6.9% in Camden County. Long commutes are common here: 18% of workers spend 45 minutes or longer getting to work. 10.6% of households have no vehicle.
| Sector | Camden County | Compared with New Jersey |
|---|---|---|
| Education and health care | 26.4% | +2.2 pts |
| Professional and administrative services | 13.2% | -1.2 pts |
| Retail trade | 12.4% | +1.9 pts |
| Manufacturing | 7.4% | -0.6 pts |
| Arts, lodging and food service | 7.4% | +0.2 pts |
| Transportation, warehousing and utilities | 7.0% | +0.3 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Towns and communities in Camden County
44 Census places fall mainly inside Camden County; the 14 biggest are below. They account for 409,717 residents, leaving about 22% of the county in unincorporated, unnamed areas. Haddonfield has the highest median household income on the list ($200,400) and Camden the lowest ($40,546), counting places with at least 500 residents. City guides exist for the linked Camden County places; everyone else in the county can use this page.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Camden | city | 71,496 | $40,546 | $1,226 | 12 mi |
| Sicklerville | CDP | 44,998 | $105,602 | $1,566 | 4 mi |
| Lindenwold | borough | 21,719 | $55,954 | $1,323 | 2 mi |
| Springdale | CDP | 15,173 | $164,796 | $879 | 5 mi |
| Cherry Hill Mall | CDP | 14,541 | $103,708 | $2,132 | 10 mi |
| Collingswood | borough | 14,205 | $90,184 | $1,488 | 10 mi |
| Westmont | CDP | 14,195 | $115,317 | $1,754 | 9 mi |
| Echelon | CDP | 13,284 | $82,932 | $1,717 | 4 mi |
| Haddonfield | borough | 12,595 | $200,400 | $1,897 | 8 mi |
| Bellmawr | borough | 11,737 | $76,654 | $1,257 | 8 mi |
| Greentree | CDP | 11,537 | $145,823 | $2,176 | 7 mi |
| Gloucester City | city | 11,509 | $64,938 | $1,484 | 10 mi |
| Pine Hill | borough | 10,802 | $72,588 | $1,411 | 2 mi |
| Ashland | CDP | 9,320 | $118,500 | $2,529 | 6 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Camden County next to its neighbors
The six counties whose centers lie closest to Camden County's, from 11 to 29 miles away. 3 of the six report a higher median household income than Camden County; Burlington County is highest at $108,111 and Philadelphia County lowest at $61,953. The list crosses into Pennsylvania, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Camden County | - | $88,755 | $1,402/mo | 65% |
| Gloucester County, NJ | 11 mi | $105,115 | $1,531/mo | 80% |
| Burlington County, NJ | 17 mi | $108,111 | $1,745/mo | 76% |
| Philadelphia County, PA | 17 mi | $61,953 | $1,397/mo | 52% |
| Delaware County, PA | 25 mi | $89,546 | $1,372/mo | 70% |
| Salem County, NJ | 26 mi | $79,960 | $1,253/mo | 71% |
| Atlantic County, NJ | 29 mi | $78,050 | $1,376/mo | 69% |
Budget math at the Camden County median
The debt-to-income ratio is the main affordability test lenders use. Applied to Camden County's medians:
- Median income divided by twelve: $7,396 before taxes
- 19% goes to median rent ($1,402)
- Under a 36% cap, $2,663 total minus rent leaves $1,261
If your rent is above $1,402, the room shrinks dollar for dollar.
Camden County residents: age, schooling, coverage
College graduates make up 36% of the adult population. 6.4% of residents have no health coverage.
| Measure | Camden County | New Jersey statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 38.8 | 40.1 | 41.5 |
| Bachelor's or higher | 36.3% | 43.6% | 22.2% |
| No high school diploma | 10.1% | 9.3% | n/a |
| No health insurance | 6.4% | 7.5% | 7.8% |
| No vehicle | 10.6% | 11.1% | 5.4% |
| Work from home | 15.5% | 16.8% | 8.7% |
| Poverty rate | 12.4% | 9.7% | 13.2% |
| Unemployment (ACS) | 6.9% | 6.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 23.3% |
| 15 to 29 min | 36.2% |
| 30 to 44 min | 22.7% |
| 45 to 59 min | 9.3% |
| 60+ min | 8.5% |
Local borrowing considerations for Camden County
Based on the Camden County data above, these borrowing questions are most likely to matter locally.
- Consolidation math. With 45% at six figures, card consolidation is common; it pays only if total cost falls (guide).
- Rent squeeze. 55% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
A Camden County borrower's checklist
Before you apply, wherever you live in Camden County:
- Borrow the amount the job needs; extra cash adds interest.
- Line up offers side by side: APR, fees in dollars, total cost.
- Confirm the lender is licensed in New Jersey.
- Ask about early-payoff penalties.
Who licenses lenders for Camden County residents
Licensing happens at the state level, so a lender working with Camden County borrowers answers to the New Jersey Department of Banking and Insurance. A CFPB complaint gets forwarded to the company for a response. More on New Jersey: New Jersey personal loans.
More guides for Camden County
City guides inside Camden County, and the statewide guide:
Frequently asked questions
What does a typical Camden County household make?
About $88,755 a year at the median (ACS 2020-24), 14% below the New Jersey median.
How much is rent in Camden County?
Median gross rent, utilities included, is $1,402 a month; 55% of renters spend 30% or more of income on it.
Which towns does the Camden County guide cover?
Every community in the county, unincorporated areas included. The largest of its 44 Census places: Camden, Sicklerville, Lindenwold, Springdale, Cherry Hill Mall.
Is the fit check different in Camden County?
No. It is identical everywhere, and it never looks at your neighborhood.
Where can someone in Camden County check a lender's license?
With the New Jersey Department of Banking and Insurance. If a lender is unlicensed or asks for a fee before funding, walk away.