Stone Harbor, NJ

Borough in Cape May County, NJ, US

By Neilsberg Research

Last updated May 1, 2026

Key Indicators

A quick look at key numbers

Population

893

Source: U.S. Census Bureau American Community Survey (ACS) 2020-2024 5-Year Estimates

Median Age

64.6

years ∙ half population younger than 64.6, half older

Diversity Index

8.7%

chance two random people differ in race and ethnicity

Nativity

3.9%

foreign-born population

96.1%Native

3.9% Foreign-born

Geographic Context

Location, size, and surroundings

About

Stone Harbor is a borough within Cape May County, New Jersey, United States.

Location

Borough in Cape May County, NJ, US

Co-ordinates

DEC39.041691° N, 74.768837° W

DMS39° 02′ 30.09″ N, 74° 46′ 07.81″ W

Population Density & area

628.9/sq mi (242.7/km²)

Total Area

2.19 sq mi (5.69 km²)

Land Area

1.42 sq mi (3.68 km²) · 64.7%

Water Area

0.77 sq mi (2.01 km²) · 35.3%

Demographics & Living

Who lives here, how households are formed, and community composition

Population Composition

Key characteristics of the population

Sex Distribution

47.7% male

Male 47.7%

Female 52.3%

males per 100 females

Stone Harbor 91.2

Cape May County 93.9

New Jersey 96.9

Nativity

3.9%

foreign-born population

96.1%Native

3.9% Foreign-born

% Foreign-born

Stone Harbor 3.9%

Cape May County 4.6%

New Jersey 23.9%

Age Distribution

How the population is spread across age groups

Median Age

64.6

years ∙ half population younger than 64.6, half older

Stone Harbor

64.6

Cape May County

51.8

New Jersey

40.1

Dependency ratio

134.4

dependents per 100 working-age adults

Stone Harbor 134.4

Cape May County 87.4

New Jersey 63.9

AGE DISTRIBUTION

Distribution of age group

Median age

	Stone Harbor	Cape May County	New Jersey
Age Group
Children (Under 18)	8.8%	17.1%	21.8%
Working age (18-64)	42.7%	53.4%	61%
Senior (65+)	48.5%	29.5%	17.2%
Dependency ratio
Total dependency ratio	134.4	87.4	63.9
Child dependency ratio	20.7	32.1	35.7
Old-age dependency ratio	113.6	55.3	28.2

Racial & Ethnic Composition

Racial and ethnic makeup and how it compares

Race & Ethnicity

White

95.5%

Black

0.1%

Asian

0.8%

Hispanic

0.8%

Other

2.8%

Note: White, Black, and Asian refer to individuals belonging to a single race and not of Hispanic origin. Hispanics may be of any race.

Diversity Index

8.7%

chance two random people differ in race and ethnicity

Stone Harbor 8.7%

Cape May County 28.7%

New Jersey 66.4%

Note: The Diversity Index (DI), based on the Blau Index, measures the probability that two randomly selected individuals differ in race and ethnicity. Values range from 0 (no diversity) to 1 (high diversity) and are shown as percentages.

RACIAL & ETHNIC COMPOSITION

Race & Ethnicity

Percentage of Stone Harbor population

	Stone Harbor	Cape May County	New Jersey
Hispanic or Latino	0.8%	8.3%	22.5%
Mexican	0%	2.9%	2.6%
Puerto Rican	0%	3%	5.1%
Cuban	0%	0.2%	1%
Other Hispanic / Latino	0.8%	2.2%	13.8%
Not Hispanic or Latino	99.2%	91.7%	77.5%
One race	96.4%	88.4%	74%
White	95.5%	83.9%	50.9%
Black or African American	0.1%	3.4%	12.2%
American Indian and Alaska Native	0%	0%	0.1%
Asian	0.8%	0.7%	10%
Native Hawaiian and Other Pacific Islander	0%	0%	0%
Some Other Race	0%	0.4%	0.8%
Two or more races (Multiracial)	2.8%	3.3%	3.5%

Household & Families Composition

Household size, type, and family structure

Household structure

64% family

Family 64%

Non family 36%

% family households

Stone Harbor 64%

Cape May County 65%

New Jersey 67.8%

Average household size

1.91

persons per household

Stone Harbor

1.91

Cape May County

2.08

New Jersey

2.62

Household & Family COMPOSITION

Households

Percentage of Stone Harbor population

	Stone Harbor	Cape May County	New Jersey
Total households	464	44,884	3,507,701
Average houshold size	1.91	2.08	2.62
Family households	297	29,154	2,377,513
Average family size	2.4	2.54	3.19
Married couple family	284	23,144	1,746,187
Other families	13	6,010	631,326
Male householder	8	2,163	178,050
Female householder	5	3,847	453,276
Non-family households	167	15,730	1,130,188
One-person households	161	13,405	927,585
Male householder	68	5,806	394,706
Senior (65+) living alone	38	2,412	130,069
Female householder	93	7,599	532,879
Senior (65+) living alone	54	4,652	290,265
Other living arrangements	6	2,325	202,603

Housing Profile

Housing stock, ownership, rentals, and cost burdens

Total housing units

3,151

housing units

Stone Harbor 3,151

Cape May County 99,599

New Jersey 3,791,354

Occupancy status

14.7% occupied

Occupied 14.7%

Vacant 85.3%

vacancy rate

Stone Harbor 85.3%

Cape May County 54.9%

New Jersey 7.5%

Housing Characteristics

How the housing supply is structured and used

Types of Housing unit

86.5%

Single family houses

86.5%

Apartments in multi-unit structures

13.5%

Mobile homes

0.1%

Boat, RV, van, etc

Median Year Built

1970

Half of houses were built before 1970, and half after.

Historic ∙ 1939 or earlier

12.9%

Postwar & mid-century ∙ 1940 - 1969

29.6%

Late 20th century ∙ 1970 - 1999

30.2%

Modern ∙ 2000 or later

27.3%

Note: Median year built reflects occupied units only; distribution includes all units.

Housing Characteristics

Units, rooms & bedrooms

Physical characteristics of housing units

	Stone Harbor	Cape May County	New Jersey
Rooms per unit
Median rooms	6.5	5.7	5.7
1–3 rooms	6.5%	10.4%	16.4%
4–6 rooms	43.1%	54.7%	46.2%
7+ rooms	50.3%	34.8%	37.4%
Bedrooms
No bedroom / studio	0.9%	1.4%	3.1%
1 bedroom	2.7%	6.8%	14.1%
2 bedrooms	21.1%	20.6%	25.6%
3 bedrooms	20%	38.1%	31.5%
4+ bedrooms	55.3%	33%	25.6%
At a glance
Median year built	1970	1978	1970
Total housing units	3,151	99,599	3,791,354

Occupancy Profile

Who is inside and how they use it

Homeownership

89% owners

Renter-occupied 11%

Owner-occupied 89%

homeownership rate

Stone Harbor 89%

Cape May County 80.3%

New Jersey 63.8%

Average household size

1.92

Owner-occupied

1.88

Renter-occupied

owner-occupied average size

Stone Harbor 1.92

Cape May County 2.14

New Jersey 2.75

Housing Characteristics

Occupied unit characteristics

Tenure, crowding, and utilities

	Stone Harbor	Cape May County	New Jersey
Total occupied units	464	44,884	3,507,701
Year moved in
2020 or later	17.3%	21.3%	21.2%
2010 to 2019	34.1%	36.8%	39%
2000 to 2009	17.2%	17.2%	18%
1999 or earlier	31.4%	24.7%	21.8%
Occupants per room
1.00 or fewer	100%	98.3%	96%
1.01 to 1.50	0%	1.4%	2.5%
1.51 or more	0%	0.4%	1.5%
Vehicles availability
No vehicles	7.3%	5.7%	11.1%
1 vehicle	38.1%	36.3%	35.1%
2 vehicles	39.7%	40.6%	35.5%
3 or more vehicles	14.9%	17.5%	18.3%
House heating fuel used
Gas	75%	73.3%	75.5%
Electricity	23.1%	20.5%	16.2%
Solar	0%	0.3%	0.2%
Fuel oil, kerosene etc	0.6%	3.4%	6.4%
All other fuels	0%	2%	0.8%
No fuel used	1.3%	0.6%	0.8%
Selected characteristics
Lacking complete plumbing	0%	0.2%	0.3%
Lacking complete kitchen	0%	0.7%	0.8%
No telephone service available	0.6%	0.5%	0.8%

Housing Value

What owner-occupied units are worth

Median home value

$2,000,001

owner-occupied units

Median value(USD)

Stone Harbor

$2,000,001

Cape May County

$434,600

New Jersey

$454,400

Housing Cost Burden

43.6%

of homeowners with a mortgage are cost-burdened

% Cost-Burdened Households

Owners with a mortgage

43.6%

Owners without a mortgage

27.5%

Renters

25%

Note: Households spending 30% or more of their income on housing costs are considered cost-burdened.

Financial characteristics

Property value and housing costs

Tenure, crowding, and utilities

	Stone Harbor	Cape May County	New Jersey
Property value
Median Value	$2,000,001	$434,600	$454,400
Under $100,000	3.6%	5.4%	4.3%
$100,000 - $200,000	0.2%	6.3%	6.5%
$200,000 - $300,000	2.2%	15.9%	12.9%
$300,000 - $500,000	0%	33.4%	34.2%
$500,000 - $1,000,000	12.1%	26.9%	34.5%
$1,000,000 and more	81.8%	12.4%	7.6%
Owner-occupied households
With a mortgage	41.2%	58.9%	63.9%
Without a mortgage	58.8%	41.1%	36.1%
Median monthly owner costs
With a mortgage	$4,001	$2,232	$2,829
Without a mortgage	$1,501	$925	$1,232
Gross rent
Median rent	$1,711	$1,360	$1,720

Education Profile

How educated is the community and how education pays off

Adults with a college degree

70.3%

of adults 25+ with a bachelor's degree or higher

Stone Harbor 70.3%

Cape May County 39%

New Jersey 43.6%

Adults without a high school diploma

0.3%

of adults (25+) without a high school diploma

Stone Harbor 0.3%

Cape May County 5.3%

New Jersey 9.3%

School Enrollment

Who is enrolled in school and at what level

School enrollment

population (age 3+) enrolled in school

Nursery / Preschool

7.4%

K–12

63.2%

College / Undergraduate

25.3%

Graduate / Professional

4.2%

College-going rate (18-24 yr olds)

43.3%

of 18-24-year-olds in college or graduate school

Stone Harbor

43.3%

Cape May County

30.5%

New Jersey

46.1%

Enrollment & school type

Enrollment levels, college-going rate, and public vs private school split

Population 3+ currently enrolled in a school

	Stone Harbor	Cape May County	New Jersey
Total enrolled (age 3+)	95	16,888	2,272,695
Nursery / preschool	7.4%	6.2%	7.1%
K–12	63.2%	72.7%	66.6%
Kindergarten	5.3%	6.3%	5.2%
Elementary: Grades 1–4	0%	21.8%	19%
Elementary: Grades 5–8	23.2%	20.4%	20.8%
High School: Grades 9–12	34.7%	24.2%	21.6%
College or graduate school	29.5%	21.1%	26.3%
College, undergraduate	25.3%	16.2%	20%
Graduate, professional school	4.2%	4.9%	6.4%
College-going rate · 18-24 yr olds	43.3%	30.5%	46.1%
School type
Public school	58.9%	85.2%	78.9%
Private school	41.1%	14.8%	21.1%

Education Attainment by Level & Gender

What is the highest level of education completed among adults

Education attainment

784

population 25 years and over

Total adults (25+)

Less than 9th grade

9th-12th, no diploma

0.3%

HS graduate

12.8%

Some college no degree

13.5%

Associates degree

3.2%

Bachelors degree

41.8%

Graduate or professional degree

28.4%

Attainment by gender

Male vs Female

Adults (25+) · Share within each education level

* The Census Bureau did not publish education attainment by gender data for Stone Harbor due to an insufficient sample size to produce reliable estimates.

% male · % female

Less than 9th grade

—% · —%

9th-12th, no diploma

50% · 50%

HS graduate

31% · 69%

Some college no degree

25.5% · 74.5%

Associates degree

16% · 84%

Bachelors degree

56.4% · 43.6%

Graduate or professional degree

58.3% · 41.7%

Educational Attainment Overview

Distribution and key education attainment rates for adults (25+)

Highest credential completed · adults 25+

	Stone Harbor	Cape May County	New Jersey
Population (25+)	784	72,841	6,523,202
Less than 9th grade	0%	2%	4.7%
9th–12th, no diploma	0.3%	3.3%	4.6%
High school diploma or GED	12.8%	31%	25.3%
Some college, no degree	13.5%	17.3%	15%
Associate's degree	3.2%	7.4%	6.7%
Bachelor's degree or higher	70.3%	39%	43.6%
Bachelor's degree	41.8%	24.3%	26.1%
Graduate or professional	28.4%	14.8%	17.6%
High School or higher	99.7%	94.7%	90.7%

Earnings by education level

percentage as applicable

Median Earnings

$103,500

Median earnings for adults 25+, by level

Less than HS graduate

$—

HS graduate

$65,833

Some college or associates

$104,297

Bachelors degree

$121,250

Graduate or professional degree

$103,125

Poverty Rate

7.3%

for ages 25+, with bachelors degree or higher

Less than HS graduate

HS graduate

11%

Some college or associates

2.3%

Bachelors degree or higher

7.3%

Outcomes by Education Level

Earnings and poverty rates across education levels (25+)

Adults 25+

	Stone Harbor	Cape May County	New Jersey
Median earnings
Population 25+, with earnings	$103,500	$56,297	$63,226
Less than high school graduate	$—	$21,529	$33,651
High school graduate (includes equivalency)	$65,833	$41,800	$42,773
Some college or associate's degree	$104,297	$47,860	$51,787
Bachelor's degree	$121,250	$70,748	$81,924
Graduate or professional degree	$103,125	$90,027	$105,179
Poverty rates
Less than high school graduate	0%	26.9%	21.1%
High school graduate (includes equivalency)	11%	11.9%	12.6%
Some college or associate's degree	2.3%	6.3%	8.1%
Bachelor's degree or higher	7.3%	3.5%	3.7%

Insights for Stone Harbor, by topic

Income By year By race By age By gender

Population By year By race By age By gender

About Neilsberg Research

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