Is Little Silver Safe, Pros and cons of living in Little Silver
Little Silver, New Jersey, offers a blend of suburban tranquility and coastal charm, making it an appealing place for many to call home. This Monmouth County borough is known for its strong community feel and access to desirable amenities. Residents often praise its excellent school system and safe environment, contributing to its reputation as a family-friendly locale.
The town provides a balance between peaceful living and convenient access to major employment centers and recreational opportunities. Its location along the Jersey Shore adds to its appeal, offering residents a desirable lifestyle. Little Silver is a community that emphasizes quality of life, making it a sought-after destination for those seeking a well-rounded place to reside.
Is it Safe to Live in Little Silver?
Little Silver boasts a very low crime rate, significantly below both national and state averages. The overall crime rate is approximately 70% lower than the national average (according to AreaVibes). This safety record is further underscored by a violent crime rate that is 90.8% lower than the U.S. average (according to AreaVibes), with only 33 violent incidents per 100,000 residents (according to AreaVibes).
The borough ranks in the 81st percentile for safety, meaning it is safer than 81% of U.S. cities (according to CrimeGrade.org). Residents generally consider the northwest part of the borough to be the safest area. The chance of being a victim of crime varies by neighborhood, with the northeast neighborhoods having a higher risk compared to the northwest (according to CrimeGrade.org). Central parts of Little Silver experience the most crime incidents annually, while the southwest has the fewest (according to CrimeGrade.org).
Housing Costs and Market Trends
Little Silver’s housing market is characterized by high property values and a strong owner-occupancy rate. The median property value in Little Silver was $955,900 in 2024, a significant increase from the previous year (as reported by Data USA). The homeownership rate stands at a substantial 96.3%, well above the national average of 65.2% (as reported by Data USA).
More recent data indicates a median listing price of $1.36 million, with home prices rising 45.27% year-over-year (according to Redfin). Homes in Little Silver tend to sell quickly, with days on market declining significantly (as reported by Redfin). The rental market is limited, with few available listings, suggesting a competitive environment for renters (according to Redfin).
Median Home Price and Rent
The median home price in Little Silver is considerably higher than the national average. One report indicates a median home price of $791,042 (according to PayScale), while another cites a median sale price of $1.25 million as of March 2026 (according to Redfin). The median rent in Little Silver is approximately $3,501 per month (according to Point2Homes), with some sources indicating an average rent of $4,056 per month (according to Zillow).
These figures reflect a strong demand and investment in the Little Silver real estate market. The median property value in 2024 was $955,900, with a 9.79% increase from the previous year (as reported by Data USA). Housing costs in Little Silver are about 48% higher than the national average (according to PayScale).
Cost of Living
The overall cost of living in Little Silver is higher than the national average, driven primarily by housing expenses. Little Silver’s cost of living is approximately 18% higher than the national average (according to PayScale). Housing expenses are particularly notable, standing at about 48% higher than the national average (according to PayScale).
Utility prices are slightly above the national average, and transportation costs are also higher. Grocery prices are marginally higher than the national average, while healthcare costs are notably more expensive. These factors contribute to a higher overall cost of living for residents.
Daily Expenses
Daily expenses in Little Silver reflect the overall higher cost of living. Housing costs are a significant factor, with median rent at $3,501 per month (according to Point2Homes). Utility prices are 3% higher than the national average, and transportation expenses are 5% higher (according to PayScale).
Grocery prices are 2% higher than the national average (according to PayScale). Healthcare costs are also elevated, being 17% higher than the national average (according to PayScale). These combined expenses contribute to the higher cost of maintaining a household in Little Silver.
Job Market and Economy
Little Silver’s economy is supported by a robust job market, with a growing employment sector. From 2023 to 2024, employment in Little Silver grew by 0.801%, indicating a positive trend (as reported by Data USA). The most common employment sectors for residents include Finance & Insurance, Professional, Scientific, & Technical Services, and Educational Services (as reported by Data USA).
Major employers in the broader New Jersey area include large corporations in healthcare, retail, and finance, though specific major employers within Little Silver are not detailed. The borough’s affluence is reflected in its high median household income, which supports a stable local economy and strong employment opportunities.
Average Salary and Unemployment
The median household income in Little Silver was $240,853 as of 2024 (according to Point2Homes). This figure reflects a community of high earners. The average per capita income is $112,138 (according to World Population Review).
Specific unemployment figures for Little Silver are not readily available, but the New Jersey state unemployment rate was 4.9% in March 2026 (as reported by USAFacts). This rate is lower than the long-term average for the state (according to YCharts).
Climate and Weather
Little Silver experiences a climate with warm summers and cold winters. Temperatures throughout the year typically range from 24°F to 85°F (according to myPerfectWeather). The summer months offer comfortable humidity levels, contributing to a pleasant environment.
Annual precipitation averages around 50 inches, with the wettest month being August. The borough receives about 26 inches of snowfall annually, with the snowy period lasting from December to March, and February being the snowiest month (according to myPerfectWeather).
Temperature and Precipitation
The average monthly temperature in Little Silver ranges from a low in January to a high in July. The warmest month, July, has an average maximum temperature around 82.6°F, while the coldest month, January, has an average minimum temperature around 22.8°F (according to IDcide).
Average annual precipitation is approximately 50 inches (according to myPerfectWeather). Rainfall is fairly evenly distributed throughout the year, with August receiving the most precipitation, averaging about 5.04 inches (according to IDcide).
Education and Schools
Little Silver is recognized for its excellent public school system, which consistently ranks among the top in New Jersey. The Little Silver Borough Public School District has earned an overall grade of A+ (according to Niche). A high percentage of students in Little Silver attend public schools, exceeding the state average (as reported by Niche).
Schools in Little Silver demonstrate strong performance in standardized tests, with proficiency rates often exceeding state averages. The district maintains a low student-teacher ratio, contributing to a focused learning environment for its students.
School Ratings and Performance
The public schools in Little Silver are highly regarded, with elementary and middle schools earning top rankings statewide. Point Road School and Markham Place School are particularly noteworthy, both receiving 5-star ratings and ranking among the top schools in New Jersey (according to SchoolDigger.com). These schools consistently outperform state averages in math and reading proficiency.
Red Bank Regional High School, serving the area, shows more mixed performance compared to the elementary and middle schools. However, the overall educational offerings in Little Silver are considered a significant draw for families. The elementary and middle schools generally have low rates of students on free or reduced lunch, indicating an affluent student population (according to SchoolDigger.com).
Demographics
Little Silver is a borough with a population of approximately 6,100 residents, characterized by a predominantly White demographic. As of 2024, the White (Non-Hispanic) population constitutes the largest segment, with other races and ethnicities present in smaller proportions (as reported by Data USA). The population has seen a slight decline in recent years, with a decrease of -0.93% since the most recent census (according to World Population Review).
The median age in Little Silver is around 46 years, with a slightly higher male population than female. The community is largely comprised of U.S. citizens, with a very small percentage born outside the country (as reported by Data USA).
Age and Gender Distribution
The median age in Little Silver is 46.1 years, with a slight skew towards older residents (as reported by World Population Review). The population distribution shows approximately 19.7% are children under 15, and 18.5% are 65 or older (according to Point2Homes).
Gender-wise, Little Silver has a slightly higher proportion of males at 51.7% compared to females at 48.3% (according to Point2Homes). This demographic makeup suggests a stable community with a significant adult population.
Racial and Ethnic Composition
The racial composition of Little Silver is predominantly White, with approximately 96% of residents identifying as White (according to Niche). Other racial groups, including Hispanic, Two or More Races, and Asian, are represented in smaller percentages (according to Niche).
Hispanic or Latino residents make up a small portion of the population, around 2-3% (according to Niche and World Population Review). The borough is home to a highly integrated and diverse population, with the vast majority of residents being U.S. citizens (as reported by Data USA).