1st Advantage MortgageIn Gloucester County, New Jersey, the typical household earns $105,115 a year and the typical rent is $1,531. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in New Jersey before sharing details.
On this page
- Getting oriented in Gloucester County
- How much Gloucester County households make
- Gloucester County housing compared with New Jersey
- The Gloucester County job picture
- Neighboring counties at a glance
- Gloucester County towns compared
- A Gloucester County household budget, worked through
- Borrowing situations common in Gloucester County
- Gloucester County households compared
- New Jersey rules that apply in Gloucester County
- Four steps for Gloucester County borrowers
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Gloucester County
Gloucester County is home to about 306,954 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 14th most populous of 21 county-level areas in New Jersey. Land area is 322 square miles (2024 Gazetteer), so density runs near 953 per square mile. For statistical purposes it belongs to the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 27 places in the county (11 incorporated, 16 census-designated); the largest is Glassboro, with about 23,717 residents, or 8% of the county.
How much Gloucester County households make
Gloucester County households have a median income of $105,115 (ACS 2020 to 2024), which ranks 9th of 21 in New Jersey.
| Income band | Share in Gloucester County | Difference from New Jersey |
|---|---|---|
| Under $35,000 | 14.6% | -2.1 pts |
| $35,000 to $99,999 | 33.2% | +1.4 pts |
| $100,000 to $199,999 | 33.8% | +4.0 pts |
| $200,000 or more | 18.4% | -3.3 pts |
The spread is wide: 52% of Gloucester County households make $100,000 or more, and 15% make less than $35,000. 7.7% of residents fall below the federal poverty line (statewide: 9.7%). Income inequality, measured by the Gini index, comes to 0.419 here. None of these numbers decides a Gloucester County application. Lenders weigh your own documented income against your own debts.
Gloucester County housing compared with New Jersey
Median gross rent, utilities included, comes to $1,531 in Gloucester County versus $1,720 statewide. 55% of renting households spend 30% or more of income on rent, and 29% spend half or more. Home values center on $310,400, or 3.0 years of median income. Owners occupy 80% of homes. Median construction year: 1980.
| Measure | Gloucester County | New Jersey | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,531/mo | $1,720/mo | $877/mo |
| Median home value | $310,400 | $454,400 | $185,300 |
| Owners | 80% | 64% | 75% |
| Rent-burdened renters | 55% | 52% | 45% |
| Burdened owners | 27% | 32% | n/a |
| Mobile homes | 2.3% | 0.9% | n/a |
Because most Gloucester County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral. Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
The Gloucester County job picture
By the Census industry count, 28% of employed Gloucester County residents work in education and health care and 12% in retail trade. Compared with New Jersey, the county leans toward education and health care (28% against 24%). Averaged over the five survey years, 5.3% of the labor force was out of work and looking. 20% of commuters travel 45 minutes or more each way, and 15% work from home. 5.2% of households have no vehicle.
| Industry (employed residents 16+) | Gloucester County | Gap to New Jersey |
|---|---|---|
| Education and health care | 27.6% | +3.4 pts |
| Retail trade | 12.0% | +1.5 pts |
| Professional and administrative services | 11.0% | -3.4 pts |
| Manufacturing | 7.3% | -0.8 pts |
| Finance, insurance and real estate | 7.2% | -1.4 pts |
| Transportation, warehousing and utilities | 7.0% | +0.4 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Neighboring counties at a glance
Camden County is closest, 11 miles from center to center; the sixth, Burlington County, is 28 miles off. Income ranges from $61,953 in Philadelphia County to $108,111 in Burlington County; 1 of these neighbors top Gloucester County's median. Some neighbors are in Pennsylvania. Lender licensing is state by state, so a loan for a Gloucester County resident follows New Jersey rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Gloucester County | - | $105,115 | $1,531/mo | 80% |
| Camden County, NJ | 11 mi | $88,755 | $1,402/mo | 65% |
| Salem County, NJ | 15 mi | $79,960 | $1,253/mo | 71% |
| Delaware County, PA | 19 mi | $89,546 | $1,372/mo | 70% |
| Philadelphia County, PA | 20 mi | $61,953 | $1,397/mo | 52% |
| Cumberland County, NJ | 27 mi | $67,436 | $1,282/mo | 67% |
| Burlington County, NJ | 28 mi | $108,111 | $1,745/mo | 76% |
Gloucester County towns compared
The table lists the 14 largest of 27 Census places in Gloucester County, by population. Together all 27 hold about 127,737 people, so roughly 58% of residents live outside any named place. Richwood has the highest median household income on the list ($216,196) and Paulsboro the lowest ($64,239), counting places with at least 500 residents. Median rent ranges from $965 in Mullica Hill to $1,915 in Thorofare. This guide covers each of the 27 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Glassboro | borough | 23,717 | $87,278 | $1,687 | 2 mi |
| Williamstown | CDP | 14,705 | $89,414 | $1,266 | 10 mi |
| Woodbury | city | 10,042 | $77,028 | $990 | 8 mi |
| Clayton | borough | 8,921 | $90,274 | $1,246 | 6 mi |
| Pitman | borough | 8,856 | $98,489 | $1,521 | 1 mi |
| Paulsboro | borough | 6,248 | $64,239 | $976 | 10 mi |
| Beckett | CDP | 5,017 | $115,363 | n/a | 12 mi |
| Mullica Hill | CDP | 4,591 | $131,250 | $965 | 3 mi |
| Oak Valley | CDP | 4,413 | $93,472 | $969 | 6 mi |
| Westville | borough | 4,310 | $70,639 | $1,171 | 10 mi |
| Gibbstown | CDP | 3,685 | $91,250 | $1,391 | 10 mi |
| Richwood | CDP | 3,197 | $216,196 | n/a | 1 mi |
| Turnersville | CDP | 3,136 | $145,104 | n/a | 5 mi |
| Woodbury Heights | borough | 3,117 | $123,083 | $1,325 | 6 mi |
A Gloucester County household budget, worked through
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Gloucester County household at the medians it works out like this; treat it as an illustration only.
- Median income divided by twelve: $8,760 before taxes
- Rent at the median, $1,531, takes 17% of that
- With a 43% ceiling, about $2,236 remains for car, card, student and any new loan payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Gloucester County's.
Borrowing situations common in Gloucester County
The county's numbers point to a few situations that come up often for Gloucester County borrowers.
- Keeping the car running. At 20% with long commutes, repairs are a frequent Gloucester County emergency; first decide if the car is worth fixing.
- Higher earners. 52% of households clear $100,000; shop at least three lenders and pick the shortest term.
- Renters under pressure. When 55% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Gloucester County households compared
College graduates make up 37% of the adult population. 4.0% of residents have no health coverage.
| Measure | Gloucester County | New Jersey statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 40.1 | 40.1 | 41.5 |
| Bachelor's or higher | 36.8% | 43.6% | 22.2% |
| No high school diploma | 6.0% | 9.3% | n/a |
| No health insurance | 4.0% | 7.5% | 7.8% |
| No vehicle | 5.2% | 11.1% | 5.4% |
| Work from home | 14.9% | 16.8% | 8.7% |
| Poverty rate | 7.7% | 9.7% | 13.2% |
| Unemployment (ACS) | 5.3% | 6.3% | 4.4% |
| One-way commute | Share of Gloucester County workers |
|---|---|
| Under 15 min | 24.1% |
| 15 to 29 min | 32.3% |
| 30 to 44 min | 23.9% |
| 45 to 59 min | 10.4% |
| 60+ min | 9.3% |
New Jersey rules that apply in Gloucester County
No county office licenses personal lenders. For Gloucester County, check the New Jersey Department of Banking and Insurance. Federal complaints: consumerfinance.gov. See the New Jersey state guide for the statewide picture.
Four steps for Gloucester County borrowers
A short checklist for Gloucester County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Collect three written offers and compare APR and total repaid.
- Look the lender up with the state regulator first.
- Keep a small cushion so one surprise bill does not mean another loan.
Nearby and statewide guides
For statewide rules and data, see the New Jersey guide.
Frequently asked questions
What is the median household income in Gloucester County?
$105,115 a year in the 2020 to 2024 Census survey, versus $103,556 for New Jersey. It ranks 9th of 21 in the state.
What do renters pay in Gloucester County?
$1,531 a month at the median, about 17% of median household income.
I own my home in Gloucester County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 80% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Gloucester County?
By population: Glassboro, Williamstown, Woodbury, Clayton, Pitman. The county has 27 Census places in all.
Will a Gloucester County address affect my match?
Beyond confirming New Jersey as your state, no. Your answers about amount, credit, income and payments are all that count.