Best PlacesLower Bank, NJ Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Lower Bank, scored on 40 measures of daily life and ranked to fit what matters to you. The coast is close, and the measures below put a number on how close. To work out which city fits you best, start with the best places to live tool.
Lower Bank ranks 28,140th of 50,333 U.S. towns on the BestNeighborhood index. It scores highest on big-city access by a wide margin, and state finances rank lowest.
The best neighborhoods in Lower Bank
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
Lower Bank's strengths and weaknesses
Where Lower Bank ranks high
- Big-city accessBetter than 96% of towns
- Tree shadeBetter than 94% of towns
- Air qualityBetter than 84% of towns
- QuietBetter than 81% of towns
- Household income$90,194 median, better than 77% of towns
Where Lower Bank ranks low
- State fiscal healthBetter than only 1% of towns
- Cheap childcare$1,431 a month, better than only 5% of towns
- Nice weatherabout 58 pleasant days a year, better than only 6% of towns
- Cell coverageBetter than only 6% of towns
- Disaster safetyBetter than only 13% of towns
What it costs to buy a home in Lower Bank
A household needs to earn about $91,000 a year to comfortably buy the median Lower Bank home, at 20% down and today's 30-year rate. That is only a little above the area's median income of $90,194; the gap is small, which keeps homes within reach of local pay.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses Lower Bank's effective rate of 1.33%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 6 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in Lower Bank
Lower Bank runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Lower Bank.
Who works in Lower Bank, and how
Work in Lower Bank centers on retail trade and health care & social. Unemployment sits above the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 87%
- Work from home 9%
- Transit, walk, or bike 5%
Life in Lower Bank
The coast is about 31 minutes away. Distance to the water changes a lot across Lower Bank, which the map shows.
What the weather is like in Lower Bank, month by month
Lower Bank sees roughly 58 pleasant days a year. July highs average about 89 degrees. January highs sit near 47, with lows near 26. The comfortable stretch runs May, June, September, and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 47° | 36° | 26° |
| April | 67° | 54° | 42° |
| July | 89° | 78° | 68° |
| October | 72° | 60° | 49° |
Flying in and out of Lower Bank
The nearest airport, Atlantic City International, is about 9 miles away and is a small airport. The nearest major hub is Philadelphia International, about 42 miles away.
The best schools in and around Lower Bank
Schools across Lower Bank average a C, better than 28% of towns.
Top elementary schools
- Port Republic Elementary SchoolB− · 43% proficient
- Roland Rogers Elementary SchoolD+ · 23% proficient
- Charles L. Spragg SchoolF · 8% proficient
Top middle schools
- Galloway Township Middle SchoolC− · 28% proficient
- Egg Harbor City Community SchoolF · 11% proficient
Top high schools
- Cedar Creek High SchoolC+ · 39% proficient
- Absegami High SchoolC− · 30% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Lower Bank school and its grade on SchoolGrade.
Lower Bank measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare Lower Bank against the other 50,332 towns.
Common questions about living in Lower Bank
Is Lower Bank a good place to live?
Using BestNeighborhood's default rankings, Lower Bank ranks 28,140th of 50,333 towns. It scores highest on big-city access, tree cover, and clean air, and lowest on state finances and childcare costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Lower Bank expensive to live in?
The median home is worth $325,551. The overall cost of living runs about 4% below the national average. Set against a $90,194 median income, cost of living beats 74% of towns.
Is Lower Bank safe?
Yes, Lower Bank is safer than 57% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $191 per resident a year.
Compare Lower Bank with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Lower Bank. Scores are absolute rather than ranked, which means a 60 in Lower Bank represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
Lower Bank detail on BestNeighborhood maps:
- Walk Grade for Lower Bank: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Lower Bank: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Lower Bank: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Lower Bank: carrier by carrier coverage behind the cell score.
Lower Bank detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.