1st Advantage MortgageWarren County households have a median income of $100,869 and median rent of $1,409 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's New Jersey license first.
On this page
- Getting oriented in Warren County
- Renting and owning in Warren County
- Household income in Warren County
- Work, industries and travel time in Warren County
- Warren County next to its neighbors
- The communities that make up Warren County
- Room for a loan payment in Warren County
- People and households in Warren County
- Before borrowing in Warren County
- Licensing and complaints for Warren County
- Checklist for Warren County applicants
- More guides for Warren County
- Frequently asked questions
Getting oriented in Warren County
With an estimated 110,849 residents (ACS 2020 to 2024), Warren County ranks 19th of 21 in New Jersey for population. Packed into 357 square miles, that is close to 311 residents for every square mile of land. It is one of the counties that make up the Allentown-Bethlehem-Easton, PA-NJ metropolitan statistical area (OMB, 2023). Of the 41 Census places inside Warren County, Phillipsburg leads by population with about 15,299; 5 of the 41 are incorporated.
Renting and owning in Warren County
A typical Warren County rental runs $1,409 a month including utilities, which is 18% below New Jersey. By the Census definition, 48% of Warren County renters are cost-burdened. The median owner-occupied home is valued at $346,500, about 3.4 times the median household income. Owners occupy 75% of homes. Median construction year: 1972.
| Home costs | Warren County | New Jersey | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,409/mo | $1,720/mo | $877/mo |
| Median home value | $346,500 | $454,400 | $185,300 |
| Owners | 75% | 64% | 75% |
| Rent-burdened renters | 48% | 52% | 45% |
| Burdened owners | 31% | 32% | n/a |
| Mobile homes | 0.9% | 0.9% | n/a |
| Vacant units | 3% | 7% | n/a |
In an owner-heavy county like Warren County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Household income in Warren County
At $100,869, the typical Warren County household income is 54% above the median U.S. county ($65,681). That places it 11th among New Jersey's 21 county-level areas.
| Household income | Warren County | vs New Jersey |
|---|---|---|
| Under $35,000 | 16.5% | -0.2 pts |
| $35,000 to $99,999 | 33.0% | +1.3 pts |
| $100,000 to $199,999 | 36.0% | +6.1 pts |
| $200,000 or more | 14.5% | -7.2 pts |
About 17% of households earn under $35,000, while 50% clear $100,000. The poverty rate is 8.3%, 1 point lower than the state's 9.7%. The Gini index of income inequality is 0.415 (0 is perfect equality). A household earning below the $100,869 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Work, industries and travel time in Warren County
Education and health care employs 24% of working residents, the largest share; professional and administrative services is next with 13%. Compared with New Jersey, the county leans toward manufacturing (11% against 8%). Averaged over the five survey years, 5.1% of the labor force was out of work and looking. About 76% drive to work alone and 30% have trips of 45 minutes or more. 5.6% of households have no vehicle.
| Sector | Warren County | Compared with New Jersey |
|---|---|---|
| Education and health care | 23.7% | -0.5 pts |
| Professional and administrative services | 12.9% | -1.6 pts |
| Manufacturing | 11.0% | +2.9 pts |
| Retail trade | 10.5% | 0.0 pts |
| Construction | 7.1% | +1.1 pts |
| Arts, lodging and food service | 6.5% | -0.7 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Warren County next to its neighbors
Distances run center to center, from Northampton County at 17 miles out to Somerset County at 28. Hunterdon County leads the group on income ($141,715), Monroe County trails ($83,565), and Warren County out-earns 2 of the six. Some neighbors are in Pennsylvania. Lender licensing is state by state, so a loan for a Warren County resident follows New Jersey rules.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Warren County | - | $100,869 | $1,409/mo | 75% |
| Northampton County, PA | 17 mi | $89,184 | $1,395/mo | 71% |
| Hunterdon County, NJ | 21 mi | $141,715 | $1,687/mo | 85% |
| Monroe County, PA | 22 mi | $83,565 | $1,393/mo | 80% |
| Morris County, NJ | 24 mi | $137,326 | $1,904/mo | 74% |
| Sussex County, NJ | 26 mi | $116,186 | $1,585/mo | 84% |
| Somerset County, NJ | 28 mi | $140,374 | $2,033/mo | 74% |
The communities that make up Warren County
Here are the 14 most populous of the county's 41 Census places, with income and rent from the same 2020 to 2024 survey. About 58% of Warren County residents live in one of the 41. Incomes vary by place: $170,913 at the median in Vienna, $59,714 in Brookfield. Median rent ranges from $1,008 in Belvidere to $2,008 in Panther Valley. None of the 41 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Phillipsburg | town | 15,299 | $68,324 | $1,167 | 14 mi |
| Hackettstown | town | 10,140 | $93,083 | $1,469 | 10 mi |
| Washington | borough | 7,334 | $81,336 | $1,348 | 7 mi |
| Beattystown | CDP | 4,917 | $87,500 | $1,416 | 8 mi |
| Panther Valley | CDP | 4,553 | $131,169 | $2,008 | 10 mi |
| Greenwich | CDP | 2,679 | $164,167 | n/a | 13 mi |
| Belvidere | town | 2,538 | $95,714 | $1,008 | 4 mi |
| Alpha | borough | 2,436 | $90,333 | $1,362 | 15 mi |
| Brass Castle | CDP | 1,936 | $152,256 | n/a | 6 mi |
| Upper Pohatcong | CDP | 1,876 | $103,444 | $1,606 | 14 mi |
| Oxford | CDP | 1,122 | $77,989 | n/a | 3 mi |
| Vienna | CDP | 999 | $170,913 | n/a | 7 mi |
| Stewartsville | CDP | 710 | $161,985 | n/a | 12 mi |
| Brookfield | CDP | 673 | $59,714 | n/a | 4 mi |
A CDP is a named community without its own municipal government.
Room for a loan payment in Warren County
Warren County at the medians, through a lender's eyes (what DTI means):
- Start: $8,406 gross per month ($100,869 / 12)
- 17% goes to median rent ($1,409)
- At 36%, room after rent is $1,617 a month
If your rent is above $1,409, the room shrinks dollar for dollar.
People and households in Warren County
Degree holders: 37% of adults over 25. The uninsured rate is 4.8%, against 7.5% for New Jersey.
| People and households | Warren County | New Jersey | Median county |
|---|---|---|---|
| Median age | 44.0 | 40.1 | 41.5 |
| Bachelor's or higher | 36.5% | 43.6% | 22.2% |
| No high school diploma | 5.9% | 9.3% | n/a |
| No health insurance | 4.8% | 7.5% | 7.8% |
| No vehicle | 5.6% | 11.1% | 5.4% |
| Work from home | 12.5% | 16.8% | 8.7% |
| Poverty rate | 8.3% | 9.7% | 13.2% |
| Unemployment (ACS) | 5.1% | 6.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 22.8% |
| 15 to 29 min | 24.8% |
| 30 to 44 min | 22.0% |
| 45 to 59 min | 12.2% |
| 60+ min | 18.3% |
Before borrowing in Warren County
The county's numbers point to a few situations that come up often for Warren County borrowers.
- Long drives. With 30% of commutes over 45 minutes, tires and repairs are fixed costs in many Warren County budgets.
- Six-figure budgets. For the 50% earning $100,000 or more, lifestyle creep, not approval, is the usual problem.
- 48% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
Licensing and complaints for Warren County
Licensing happens at the state level, so a lender working with Warren County borrowers answers to the New Jersey Department of Banking and Insurance. A CFPB complaint gets forwarded to the company for a response. Statewide data and rules: New Jersey guide.
Checklist for Warren County applicants
A short checklist for Warren County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Prequalify with soft pulls where offered, then compare in writing.
- A New Jersey license check takes minutes; do it first.
- Ask about early-payoff penalties.
More guides for Warren County
For statewide rules and data, see the New Jersey guide.
Frequently asked questions
What is the median household income in Warren County?
$100,869 a year in the 2020 to 2024 Census survey, versus $103,556 for New Jersey. It ranks 11th of 21 in the state.
How much is rent in Warren County?
Median gross rent, utilities included, is $1,409 a month; 48% of renters spend 30% or more of income on it.
Should Warren County homeowners use home equity instead?
Maybe, but weigh the risk: 75% of Warren County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Which towns does the Warren County guide cover?
Every community in the county, unincorporated areas included. The largest of its 41 Census places: Phillipsburg, Hackettstown, Washington, Beattystown, Panther Valley.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Warren County or elsewhere in New Jersey, the same rules apply.