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Is Stone Harbor, NJ a Good Place to Live?
Stone Harbor is a small town of 887 in New Jersey, with a median household income of $130,000 and a 3.6% unemployment rate. Its cost of living index is 116 (US average = 100), which is 16% above the national average.
Strengths: Stone Harbor stands out for solid school ratings (A+), a well-educated population, short average commutes.
Trade-offs: Potential downsides include an above-average cost of living, high home prices. Whether Stone Harbor is right for you depends on your priorities — the full breakdown is below.
All Stone Harbor city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 116.0Stone Harbor's overall cost of living index is 116.0, where 100 represents the US national average. Living in Stone Harbor costs roughly 16% more than the average American city.
| Metric | Stone Harbor, NJ | National Avg |
|---|---|---|
| Median Home Value | $1,739,400 | $244,900 |
| Median Monthly Rent | $1,625 | $1,163 |
| Homeownership Rate | 86.1% | 65.9% |
| Median Household Income | $130,000 | $74,755 |
Crime & Safety
Very SafeStone Harbor's violent crime rate is 69.5 per 100,000 residents — 82% lower than the national average of ~380 per 100,000.
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Stone Harbor is served primarily by Stone Harbor School District. The student-to-teacher ratio is 9.2:1 (better than the national average of ~16:1).
| Metric | Stone Harbor, NJ | National Avg |
|---|---|---|
| School District | Stone Harbor School District | — |
| Elementary Schools | 1 | — |
| Middle Schools | N/A | — |
| High Schools | N/A | — |
| Student/Teacher Ratio | 9.2:1 | 16:1 |
| Bachelor's Degree or Higher | 66.3% | 35.4% |
| High School Diploma or Higher | 98.3% | 91.1% |
Weather & Climate
Stone Harbor sees average highs of 43.3°F in January and 85.5°F in July, with 44.1 inches of annual precipitation and 14.8 inches of snow per year.
| Metric | Stone Harbor, NJ |
|---|---|
| Average High — January | 43.3°F |
| Average High — July | 85.5°F |
| Annual Precipitation | 44.1" |
| Annual Snowfall | 14.8" |
Demographics
| Metric | Stone Harbor, NJ | National Avg |
|---|---|---|
| Population | 887 | — |
| Median Age | 65.7 | 38.9 |
| Unemployment Rate | 3.6% | 3.7% |
| Avg Commute Time | 22.5 min | 26 min |
| White (non-Hispanic) | 98.6% | 59.3% |
| Black or African American | 0.1% | 13.6% |
| Hispanic or Latino | 0.7% | 18.9% |
| Asian | 0.5% | 6.3% |
| Under 18 | 5.6% | 22.2% |
| 65 and over | 51.3% | 16.8% |
Nearby Cities
ZIP Codes in Stone Harbor
Stone Harbor, NJ is covered by 1 ZIP code: