New Jersey
Last checked 2026-06-16
130
Designated tracts (of 518 eligible)
13
Rural designated — QROF treatment
70
Former OZ 1.0 tracts redesignated
57
Days until designations take effect
How New Jersey chose
Treasury published the final list on October 30, 2026. New Jersey designated 130 of 518 eligible tracts, its full allocation, in 20 of 20 counties with eligible tracts. Designations take effect January 1, 2027 and run through December 31, 2036. Treasury's October list has 2 more eligible tracts here than the April appendix, qualified under its missing-data rules; 0 were designated.
Compared with the eligible tracts it passed over, New Jersey favored former OZ 1.0 tracts, less dense tracts and tracts with prior NMTC deals.
| Trait | Designated | Passed over |
|---|---|---|
| Former OZ 1.0 tract | 53.8% | 16.2% |
| Rural (QROF) | 10% | 6.2% |
| Urban Institute Tier 1 | 33.8% | 26.3% |
| Median poverty rate | 22.6% | 20.7% |
| Median family income, % of area | 58.1% | 56.5% |
| Residents of color (mean) | 78.6% | 79% |
| Median density, people / sq mi | 11,851 | 17,982 |
Poverty and income: Treasury's own eligibility figures (ACS 2020–2024). Demographics: ACS 2020–2024. Former OZ 1.0 = at least half the tract's land area was in a 2018 QOZ. How every state compares →
Record: how New Jersey ran its nomination input process
Nomination process
The lead agency has been identified, but no public process has been published yet. Contact information is below.
Map: designated and eligible tracts
Loading 518 eligible tracts…
Designated tracts by county
The county is usually the first local partner on an OZ deal — zoning, infrastructure, incentives. CDEs listed are New Markets Tax Credit allocatees that have already financed deals inside this county's designated tracts: the organizations with a working track record of underwriting there.
| County | Designated / eligible | Rural | OZ 1.0 kept / lost | Residents | NMTC CDEs active in designated tracts |
|---|---|---|---|---|---|
| Essex County | 21 / 114 | — | 8 / 15 | 77,049 | Building America CDE, Inc.; Citibank NMTC Corporation; Community Loan Fund of New Jersey, Inc.; ESIC New Markets Partners LP; Empowerment Reinvestment Fund, LLC; Gateway CDE LLC; HEDC New Markets, Inc; Independence Community Commercial Reinvestment Corp.; Merrill Lynch Community Development Company; National New Markets Tax Credit Fund, Inc.; New Jersey Redevelopment Authority; Paramount Community Development Fund, LLC; Reinvestment Fund, Inc., The; Stonehenge Community Development, LLC |
| Hudson County | 18 / 82 | — | 7 / 16 | 59,415 | New Jersey Community Development Entity, LLC; North Fork New Markets Credit Corp. |
| Mercer County | 10 / 30 | — | 5 / 3 | 35,301 | New Jersey Community Development Entity, LLC; Wachovia Community Development Enterprises, LLC |
| Middlesex County | 10 / 34 | — | 8 / 7 | 51,707 | Building America CDE, Inc.; CCG Community Partners, LLC; WNC National Community Development Advisors, LLC |
| Passaic County | 10 / 55 | — | 8 / 8 | 39,206 | Community Loan Fund of New Jersey, Inc.; RBC Community Development, LLC; Reinvestment Fund, Inc., The |
| Camden County | 9 / 35 | — | 6 / 5 | 29,560 | Advantage Capital Community Development Fund, LLC; Community Loan Fund of New Jersey, Inc.; DV Community Investment, LLC; Mid-City Community CDE, LLC; New Jersey Community Development Entity, LLC; Reinvestment Fund, Inc., The |
| Union County | 9 / 35 | — | 5 / 9 | 40,946 | Elizabeth Development Company; National New Markets Tax Credit Fund, Inc.; Nonprofit Finance Fund |
| Atlantic County | 8 / 25 | 8 | 7 / 1 | 22,389 | CDF Development, LLC; New Jersey Community Development Entity, LLC |
| Ocean County | 7 / 30 | — | 5 / 12 | 51,205 | Greenline Community Development Fund, LLC |
| Bergen County | 6 / 20 | — | 3 / 12 | 28,003 | — |
| Burlington County | 4 / 11 | — | 2 / 3 | 12,016 | — |
| Monmouth County | 4 / 13 | — | 1 / 8 | 15,675 | Community Loan Fund of New Jersey, Inc.; New Jersey Community Development Entity, LLC |
| Cumberland County | 3 / 9 | 1 | 2 / 4 | 8,893 | Community Loan Fund of New Jersey, Inc.; HEDC New Markets, Inc |
| Morris County | 3 / 6 | — | 0 / 4 | 9,129 | — |
| Salem County | 3 / 7 | 2 | 1 / 1 | 6,642 | — |
| Cape May County | 1 / 1 | 1 | 0 / 2 | 2,023 | — |
| Gloucester County | 1 / 4 | — | 0 / 4 | 6,248 | — |
| Somerset County | 1 / 4 | — | 1 / 2 | 4,770 | — |
| Sussex County | 1 / 1 | 1 | 0 / 1 | 3,769 | — |
| Warren County | 1 / 2 | — | 1 / 0 | 5,024 | — |
Counties with no designated tracts are listed only if they lost OZ 1.0 tracts. NMTC: CDFI Fund NMTC public data release. 27 distinct CDEs across New Jersey's designated tracts.
Find projects and partners in the designated tracts
Every designated tract in New Jersey, tagged by the signals that point to a project type or a partner. Pick tags to narrow the list — a tract must carry every tag selected. Tags are simple published rules, not a score; hover a tag for its definition.
130 of 130 tracts shown
Download all eligible tracts, national (CSV) →| Tract | County | Pov. | MFI | Pop. | Rent. | Vac. | Signals | Prior NMTC CDEs |
|---|---|---|---|---|---|---|---|---|
| 34001000400 | Atlantic County | 30.4% | 59.3% | 3,496 | 50.6% | 33.9% | Rural / QROFFormer OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancyUI Tier 1 | New Jersey Community Development Entity, LLC |
| 34001001400 Elizabeth | Atlantic County | 49.1% | 23.5% | 3,497 | 92.5% | 11.4% | Rural / QROFCRA-eligibleHousing pressureUI Tier 1 | — |
| 34001001900 | Atlantic County | 27.1% | 40.2% | 1,681 | 86% | 17.7% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 34001002300 Salem | Atlantic County | 38.7% | 42% | 2,714 | 80.2% | 24.2% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 34001002400 | Atlantic County | 47.3% | 42.3% | 2,364 | 95.8% | 31.7% | Rural / QROFFormer OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancy | CDF Development, LLC $7.9M · 1 deal |
| 34001011702 Paterson | Atlantic County | 14.3% | 62.7% | 3,875 | 32.2% | 3.8% | Rural / QROFFormer OZ 1.0UI Tier 1 | — |
| 34001012100 New Brunswick | Atlantic County | 22.9% | 81.5% | 3,033 | 45.5% | 2.2% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 34001012702 Pleasantville | Atlantic County | 18.9% | 67.2% | 1,729 | 42% | 22.1% | Rural / QROFFormer OZ 1.0High vacancy | — |
| 34003018200 Paterson | Bergen County | 22.7% | 63.3% | 7,510 | 62.5% | 1.1% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34003021600 | Bergen County | 23.5% | 50.8% | 4,905 | 65.3% | 5.5% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34003023501 | Bergen County | 26% | 58.2% | 3,809 | 64% | 10.6% | CRA-eligibleHousing pressureUI Tier 1 | — |
| 34003023502 Paterson | Bergen County | 21.7% | 91.5% | 4,615 | 70.2% | 0.4% | CRA-eligible | — |
| 34003023602 | Bergen County | 17.2% | 51.2% | 4,495 | 81.2% | 8.4% | CRA-eligible | — |
| 34003036100 | Bergen County | 17.8% | 69.7% | 2,669 | 54.3% | 1.4% | Former OZ 1.0Housing pressure | — |
| 34005700703 Paterson | Burlington County | 18.3% | 57.8% | 2,384 | 50.4% | 8.5% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34005701002 | Burlington County | 24.4% | 77.2% | 4,464 | 14.8% | 8.4% | | — |
| 34005701203 | Burlington County | 22.2% | 63.9% | 2,135 | 43.1% | 11.5% | CRA-eligibleUI Tier 1 | — |
| 34005701204 | Burlington County | 27.4% | 60.3% | 3,033 | 58% | 10.5% | Former OZ 1.0CRA-eligibleUI Tier 1 | — |
| 34007600700 | Camden County | 39.2% | 33.9% | 1,317 | 45.7% | 8.9% | Former OZ 1.0CRA-eligibleUI Tier 1 | — |
| 34007601400 | Camden County | 29% | 37.6% | 4,292 | 69.9% | 16.2% | CRA-eligibleHousing pressureHigh vacancy | — |
| 34007601500 | Camden County | 17% | 47.2% | 5,696 | 80.9% | 12.3% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34007601800 | Camden County | 61.2% | — | 1,037 | 39.9% | 35.1% | Former OZ 1.0NMTC track recordHigh vacancy | Advantage Capital Community Development Fund, LLC; Community Loan Fund of New Jersey, Inc.; Mid-City Community CDE, LLC $6.6M · 3 deals |
| 34007604100 | Camden County | 19.4% | 65.8% | 2,920 | 41.1% | 18.8% | CRA-eligibleHigh vacancy | — |
| 34007608210 | Camden County | 32.8% | 56.2% | 4,281 | 73.8% | 1.1% | CRA-eligibleHousing pressure | — |
| 34007610300 | Camden County | 34.1% | 71% | 2,295 | 83.6% | 8.5% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 34007610400 | Camden County | 25.9% | 50.1% | 4,924 | 60.4% | 13.2% | Former OZ 1.0NMTC track recordCRA-eligibleUI Tier 1 | DV Community Investment, LLC; New Jersey Community Development Entity, LLC; Reinvestment Fund, Inc., The $8.0M · 3 deals |
| 34007610800 | Camden County | 5.4% | 64.4% | 2,798 | 22.6% | 8.7% | Former OZ 1.0 | — |
| 34009020500 | Cape May County | 30.3% | 61.9% | 2,023 | 44.6% | 31% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 34011020503 Nanticoke Lenni Lenape SDTSA | Cumberland County | 36.5% | 41.6% | 5,202 | 66.7% | 5.3% | Rural / QROFFormer OZ 1.0CRA-eligibleTribalHousing pressure | — |
| 34011030100 | Cumberland County | 49.8% | 28.2% | 1,015 | 83.9% | 7.5% | Former OZ 1.0NMTC track recordHousing pressure | Community Loan Fund of New Jersey, Inc.; HEDC New Markets, Inc $46.8M · 3 deals |
| 34011040901 | Cumberland County | 33.1% | 81.1% | 2,676 | 20.9% | 15.5% | High vacancyUI Tier 1 | — |
| 34013000300 Newark | Essex County | 29.9% | 59.7% | 4,683 | 75.8% | 4.4% | CRA-eligibleUI Tier 1 | — |
| 34013000500 Jersey City | Essex County | 20.4% | 58.3% | 1,983 | 51.4% | 0% | CRA-eligibleHousing pressure | — |
| 34013000900 | Essex County | 19.4% | 55.7% | 3,457 | 80.8% | 6% | CRA-eligible | — |
| 34013001000 | Essex County | 28.8% | 52.4% | 4,515 | 87.8% | 6.7% | CRA-eligible | — |
| 34013001400 | Essex County | 12.1% | 59.3% | 3,369 | 81.1% | 6.7% | Former OZ 1.0CRA-eligible | — |
| 34013001500 | Essex County | 45.9% | 27.3% | 2,185 | 92.7% | 3.3% | Housing pressureUI Tier 1 | — |
| 34013002800 | Essex County | 23% | 59.8% | 2,040 | 70.2% | 11.1% | CRA-eligibleHousing pressureUI Tier 1 | — |
| 34013005400 | Essex County | 52.9% | 19.5% | 4,222 | 90% | 12.2% | NMTC track recordHousing pressure | Merrill Lynch Community Development Company $10.1M · 1 deal |
| 34013006400 | Essex County | 24.1% | 67.1% | 1,373 | 37.5% | 3.6% | | — |
| 34013007900 Union City | Essex County | 17.4% | 49.5% | 4,727 | 86.2% | 11.2% | CRA-eligibleUI Tier 1 | — |
| 34013008000 | Essex County | 21.7% | 81.4% | 2,629 | 90.3% | 8.1% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | Citibank NMTC Corporation; HEDC New Markets, Inc; Independence Community Commercial Reinvestment Corp.; Merrill Lynch Community Development Company $32.4M · 6 deals |
| 34013008100 Kearny | Essex County | 28% | 52.1% | 3,958 | 93.8% | 4.5% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | Building America CDE, Inc.; Empowerment Reinvestment Fund, LLC; Gateway CDE LLC; National New Markets Tax Credit Fund, Inc.; New Jersey Redevelopment Authority; Paramount Community Development Fund, LLC; Stonehenge Community Development, LLC $35.0M · 8 deals |
| 34013010600 Trenton | Essex County | 23.3% | 52.6% | 5,195 | 84.3% | 3% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 34013011300 | Essex County | 18% | 41.5% | 4,109 | 94.2% | 6.1% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | ESIC New Markets Partners LP |
| 34013011900 | Essex County | 15.5% | 57.5% | 2,194 | 79.1% | 4.4% | CRA-eligible | — |
| 34013015300 | Essex County | 6.7% | 65.5% | 3,273 | 80% | 0% | CRA-eligibleUI Tier 1 | — |
| 34013015900 | Essex County | 19% | 64.9% | 5,696 | 56.3% | 4.3% | CRA-eligibleHousing pressure | — |
| 34013018300 Camden | Essex County | 13.9% | 40.8% | 4,814 | 85% | 4.1% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34013018400 Newark | Essex County | 8.2% | 58.4% | 2,755 | 69.1% | 10% | CRA-eligibleHousing pressureUI Tier 1 | — |
| 34013018600 | Essex County | 36.4% | 30.2% | 5,585 | 79.7% | 1.4% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureUI Tier 1 | Community Loan Fund of New Jersey, Inc. $10.2M · 1 deal |
| 34013018900 | Essex County | 18.3% | 51.6% | 4,287 | 72.8% | 8.4% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureUI Tier 1 | Reinvestment Fund, Inc., The $55.9M · 1 deal |
| 34015500400 | Gloucester County | 15.2% | 61.5% | 6,248 | 38.3% | 12.5% | CRA-eligible | — |
| 34017001202 | Hudson County | 38.7% | 19.6% | 1,963 | 81.1% | 2.4% | CRA-eligibleHousing pressure | — |
| 34017001900 | Hudson County | 18.5% | 66% | 2,585 | 93.6% | 12.2% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34017002001 | Hudson County | 24.7% | 61.1% | 1,378 | 85.4% | 4% | Former OZ 1.0NMTC track recordCRA-eligible | New Jersey Community Development Entity, LLC; North Fork New Markets Credit Corp. $74.0M · 2 deals |
| 34017002002 | Hudson County | 25.1% | 86% | 2,797 | 96.4% | 16.8% | Former OZ 1.0High vacancyUI Tier 1 | — |
| 34017003000 | Hudson County | 21.2% | 59.6% | 3,312 | 85.3% | 12.2% | | — |
| 34017003102 | Hudson County | 10% | 47.3% | 3,643 | 93.3% | 6.1% | CRA-eligible | — |
| 34017004600 | Hudson County | 18.1% | 60.4% | 2,443 | 67.2% | 8.7% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 34017006300 Plainfield | Hudson County | 10.6% | 67.2% | 4,805 | 68.6% | 3.1% | Former OZ 1.0Housing pressureUI Tier 1 | — |
| 34017006700 | Hudson County | 33% | 35.7% | 4,069 | 90.8% | 6.4% | CRA-eligibleHousing pressureUI Tier 1 | — |
| 34017010900 Newark | Hudson County | 26.6% | 66.6% | 2,818 | 85.9% | 5.7% | Housing pressureUI Tier 1 | — |
| 34017011000 | Hudson County | 14.1% | 69.2% | 3,120 | 69.2% | 8.2% | Housing pressureUI Tier 1 | — |
| 34017012800 | Hudson County | 18.8% | 61.4% | 4,808 | 59.3% | 4.2% | CRA-eligibleHousing pressure | — |
| 34017013400 | Hudson County | 40.6% | 35.6% | 2,497 | 71% | 2.8% | CRA-eligibleHousing pressure | — |
| 34017015003 Atlantic City | Hudson County | 27.7% | 44.2% | 2,205 | 76.1% | 5.4% | CRA-eligibleHousing pressure | — |
| 34017015004 | Hudson County | 22.7% | 61.9% | 4,071 | 65.6% | 4% | CRA-eligibleHousing pressure | — |
| 34017016200 Newark | Hudson County | 16.6% | 61.1% | 4,469 | 91.5% | 7.1% | Former OZ 1.0CRA-eligible | — |
| 34017017700 Brooklawn | Hudson County | 11.4% | 61.6% | 1,768 | 63.3% | 6.2% | CRA-eligibleHousing pressureUI Tier 1 | — |
| 34017017800 | Hudson County | 17% | 66.8% | 6,664 | 67.2% | 6.6% | Former OZ 1.0Housing pressureUI Tier 1 | — |
| 34021000100 | Mercer County | 28.7% | 57.5% | 3,543 | 56.1% | 5.4% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34021000800 | Mercer County | 30.2% | 60.2% | 2,399 | 82.9% | 3.5% | Former OZ 1.0CRA-eligible | — |
| 34021000900 | Mercer County | 22.2% | 48.4% | 4,428 | 59.9% | 9.4% | Former OZ 1.0NMTC track recordCRA-eligible | New Jersey Community Development Entity, LLC |
| 34021001000 | Mercer County | 36.2% | 18.8% | 3,238 | 75.2% | 8.9% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34021001101 Trenton | Mercer County | 16.7% | 68.7% | 2,163 | 81.7% | 22.2% | NMTC track recordCRA-eligibleHousing pressureHigh vacancy | Wachovia Community Development Enterprises, LLC |
| 34021001700 | Mercer County | 25.2% | 27.7% | 3,910 | 71.2% | 9% | CRA-eligibleHousing pressure | — |
| 34021002100 | Mercer County | 23.5% | 38.3% | 6,310 | 77.3% | 4% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34021002701 South River | Mercer County | 10.9% | 63.6% | 4,565 | 34.5% | 2.2% | CRA-eligible | — |
| 34021003400 | Mercer County | 22.3% | 64.8% | 2,903 | 29.4% | 7.9% | CRA-eligible | — |
| 34021003707 | Mercer County | 6.2% | 64.3% | 1,842 | 37.1% | 11.6% | CRA-eligible | — |
| 34023000300 | Middlesex County | 22.6% | 97.5% | 7,911 | 38.6% | 8.5% | CRA-eligible | — |
| 34023004502 | Middlesex County | 15.3% | 63.2% | 4,215 | 92% | 1.9% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | CCG Community Partners, LLC $8.4M · 1 deal |
| 34023004600 | Middlesex County | 20.5% | 50.6% | 6,297 | 72% | 1.5% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 34023004800 Newark | Middlesex County | 21.1% | 36.9% | 6,066 | 89% | 3.4% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 34023005300 | Middlesex County | 31.6% | 38.9% | 3,909 | 81.5% | 5.7% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34023005500 | Middlesex County | 35% | 36.2% | 3,985 | 77.1% | 2.6% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34023005602 | Middlesex County | 23.1% | 50.6% | 7,166 | 71.6% | 5.4% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34023007103 Teterboro | Middlesex County | 9% | 65.1% | 5,991 | 92.8% | 3.7% | CRA-eligible | — |
| 34023009300 | Middlesex County | 45% | 21.9% | 6,132 | 97.2% | 11.1% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | Building America CDE, Inc.; WNC National Community Development Advisors, LLC $17.4M · 2 deals |
| 34023980000 | Middlesex County | 77.1% | — | 35 | 100% | 0% | Former OZ 1.0Housing pressure | — |
| 34025801700 | Monmouth County | 13% | 60.5% | 4,595 | 63.7% | 9.9% | CRA-eligibleHousing pressureUI Tier 1 | — |
| 34025805700 | Monmouth County | 21.8% | 57.9% | 3,137 | 60.5% | 3.9% | CRA-eligible | — |
| 34025807600 | Monmouth County | 21.6% | 60.1% | 3,718 | 69.7% | 3.8% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureUI Tier 1 | New Jersey Community Development Entity, LLC |
| 34025807700 | Monmouth County | 18.7% | 56.7% | 4,225 | 44.2% | 4.1% | NMTC track recordCRA-eligibleUI Tier 1 | Community Loan Fund of New Jersey, Inc. $12.6M · 1 deal |
| 34027041705 | Morris County | 23.1% | 94.5% | 1,631 | 46.3% | 2.5% | | — |
| 34027043500 | Morris County | 11.1% | 65.8% | 3,584 | 73.2% | 4.5% | CRA-eligibleHousing pressure | — |
| 34027046107 | Morris County | 11.5% | 61.7% | 3,914 | 54.5% | 0% | CRA-eligible | — |
| 34029715001 Jersey City | Ocean County | 11.1% | 50.9% | 11,771 | 71% | 0% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureUI Tier 1 | Greenline Community Development Fund, LLC $1.6M · 1 deal |
| 34029715404 | Ocean County | 43.5% | 34.9% | 3,525 | 86.7% | 8.6% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34029715600 | Ocean County | 16.4% | 65.9% | 10,510 | 52.9% | 5.9% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34029715800 | Ocean County | 20.7% | 81.1% | 15,448 | 45.4% | 4.3% | Former OZ 1.0CRA-eligible | — |
| 34029717002 | Ocean County | 20.8% | 87.7% | 5,162 | 47.9% | 11.9% | | — |
| 34029720105 | Ocean County | 35.2% | 50.4% | 3,055 | 53.9% | 8.6% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34029728003 Whittingham | Ocean County | 41.9% | — | 1,734 | 72.6% | 56% | Housing pressureHigh vacancy | — |
| 34031125100 | Passaic County | 42.5% | 35% | 3,717 | 67.8% | 1.9% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34031175200 | Passaic County | 29.7% | 37.7% | 5,704 | 99.4% | 2.9% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34031175402 | Passaic County | 27.4% | 35% | 3,805 | 89.9% | 1.7% | Former OZ 1.0CRA-eligibleUI Tier 1 | — |
| 34031175804 Fairview | Passaic County | 30.6% | 41.7% | 4,050 | 93% | 2.1% | NMTC track recordCRA-eligible | Community Loan Fund of New Jersey, Inc. $15.5M · 1 deal |
| 34031175900 | Passaic County | 32.4% | 29.8% | 4,509 | 90.1% | 0% | Former OZ 1.0CRA-eligibleUI Tier 1 | — |
| 34031180900 Clifton | Passaic County | 30.6% | 37.5% | 3,841 | 86.8% | 2.2% | NMTC track recordCRA-eligibleHousing pressure | Community Loan Fund of New Jersey, Inc. $1.0M · 1 deal |
| 34031181800 Paterson | Passaic County | 26.3% | 29.3% | 3,383 | 100% | 5.1% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | Reinvestment Fund, Inc., The $1.9M · 1 deal |
| 34031182900 | Passaic County | 29.5% | 31.1% | 1,871 | 92.1% | 9.6% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 34031183200 | Passaic County | 49.9% | — | 3,627 | 94.2% | 5% | Former OZ 1.0Housing pressureUI Tier 1 | — |
| 34031264200 | Passaic County | 37.3% | 31.7% | 4,699 | 93% | 6.8% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | RBC Community Development, LLC $6.4M · 1 deal |
| 34033020300 | Salem County | 53.5% | 25.3% | 2,820 | 72.4% | 10.6% | CRA-eligibleHousing pressure | — |
| 34033022000 | Salem County | 34.2% | 44.1% | 1,925 | 69.7% | 26.5% | Rural / QROFCRA-eligibleHousing pressureHigh vacancy | — |
| 34033022100 | Salem County | 21.2% | 91% | 1,897 | 54.8% | 11.7% | Rural / QROFFormer OZ 1.0Housing pressureUI Tier 1 | — |
| 34035051100 | Somerset County | 14.7% | 68.7% | 4,770 | 74.8% | 0% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 34037373700 Carteret | Sussex County | 22.2% | 87.1% | 3,769 | 50.3% | 15.1% | Rural / QROFHousing pressureHigh vacancyUI Tier 1 | — |
| 34039030400 | Union County | 20.6% | 57.1% | 6,554 | 83.3% | 9.2% | CRA-eligibleUI Tier 1 | — |
| 34039030600 | Union County | 14.1% | 62.9% | 4,207 | 68.3% | 4.7% | CRA-eligibleUI Tier 1 | — |
| 34039031100 | Union County | 20.4% | 55.6% | 5,912 | 80.5% | 5.4% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 34039031602 | Union County | 10.3% | 53% | 5,433 | 84.2% | 10.7% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 34039032300 Lodi | Union County | 18.7% | 64.2% | 2,737 | 53.7% | 2.2% | CRA-eligible | — |
| 34039039200 | Union County | 18.5% | 59.8% | 6,255 | 60.1% | 12.1% | CRA-eligibleHousing pressure | — |
| 34039039302 Bound Brook | Union County | 27.8% | 36.7% | 3,151 | 100% | 4.3% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | National New Markets Tax Credit Fund, Inc. |
| 34039039801 | Union County | 6.9% | 61.5% | 4,786 | 75.9% | 5.7% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | Elizabeth Development Company $14.3M · 1 deal |
| 34039039900 | Union County | 18.1% | 42.2% | 1,911 | 93.9% | 10.6% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | Elizabeth Development Company; Nonprofit Finance Fund $8.6M · 2 deals |
| 34041030700 | Warren County | 15.7% | 66.3% | 5,024 | 39.7% | 8.5% | Former OZ 1.0CRA-eligibleUI Tier 1 | — |
Reading the signals for projects
- Rural / QROF — a rural QOF investment gets a 30% basis step-up at five years, and existing buildings need only 50% improvement. Rehab of existing stock pencils here in ways it does not elsewhere. Mechanics →
- Housing pressure — mostly renters, most of them cost-burdened. Housing deals here have demand; they also carry displacement risk, which is where community benefit terms matter.
- High vacancy — vacant structures to bring back. Pair with the 50% rural improvement threshold where both apply.
- UI Tier 1 — the Urban Institute's read that private capital is likely to come and the impact would be larger.
Reading the signals for partners
- NMTC track record — the listed CDEs have underwritten deals in this exact tract. They know the market and can layer NMTC with OZ equity. How they stack →
- CRA-eligible — bank investment here earns CRA credit. Start with community development officers at banks with branches in the county.
- Former OZ 1.0 — QOFs and sponsors may already hold assets here. They are the most likely early OZ 2.0 investors and know the local approvals path.
- Tribal — the tribal government is a principal, not a stakeholder to consult. Persistent poverty — USDA Rural Development programs can fill gaps.
Data context
53
Eligible tracts in EIG DCI top distress quintile
The EIG Distressed Communities Index (2019–2023) is referenced in many state scoring rubrics. Quintile 1 = most distressed. See whether OZ 1.0 reached the most distressed places →
0
Counties with eligible tracts designated USDA persistent poverty
Persistent poverty = 20%+ poverty rate in every census 1980–2010. Source: USDA ERS County Typology Codes (2015 edition). Relevant for USDA RD program eligibility and QROF rural bonus. See QROF rural bonus mechanics →
93
Prior NMTC investments in eligible OZ tracts
CDFI Fund NMTC Public Data Release (2024). Indicates prior CDFI capital deployment track record in these tracts. See how NMTC and OZ stack →
428
Eligible tracts with CRA designation (LMI or distressed/underserved)
Banks earn CRA credit for investing in low- or moderate-income tracts (Track 1), and in non-metropolitan middle-income tracts officially designated distressed or underserved by FFIEC (Track 2). When an OZ project sits in a CRA-eligible tract, bank capital can satisfy CRA obligations while generating OZ tax benefits. How CRA and OZ interact →
Cities: Newark, Paterson, Trenton, Elizabeth, Jersey City and 114 more
ZIP codes: 07087, 07108, 07107, 08701, 07501 and 174 more
See all 119 cities and 179 ZIP codes
All cities:
Newark, Paterson, Trenton, Elizabeth, Jersey City, Camden, East Orange, Union City, Lakewood, Irvington, Atlantic City, Perth Amboy, Passaic, North Bergen, New Brunswick, Elizabethport, West New York, Orange, Plainfield, Manchester Township, Clifton, Belleville, Merchantville, Pleasantville, Toms River, Hackensack, Kearny, Harrison, Pennsauken, Asbury Park, Bloomfield, Bridgeton, Clementon, Haledon, Bayonne, Lakehurst, Keasbey, Monroe Township, Neptune, Fairview, Long Branch, Gloucester City, Penns Grove, Egg Harbor Township, Garfield, Oaklyn, Phillipsburg, Middlesex, West Orange, Watchung, Montclair, Pitman, Vineland, Parlin, Piscataway, Old Bridge, Sicklerville, Salem, Absecon, Glassboro, Burlington, Cliffside Park, Bound Brook, Dover, Glen Ridge, Hillside, Stratford, Brigantine, Browns Mills, Tenafly, Lodi, South River, South Amboy, Budd Lake, Sayreville, South Orange, Union, Rochelle Park, Blackwood, Bergenfield, Weehawken, West Long Branch, Bellmawr, Bayville, Westville, Wharton, Williamstown, Woodbine, Woodbridge, Woodbury, Saddle Brook, Carteret, Riverside, Northfield, Linden, Lawrence Township, Millville, Keansburg, Joint Base Mdl, Morristown, Mount Holly, Jackson, Hawthorne, Hasbrouck Heights, North Brunswick, Hancocks Bridge, Randolph, Ocean Grove, Gibbstown, Gibbsboro, Freehold, Paulsboro, Flanders, Englewood, Eatontown, Dunellen, Cranbury, Maple Shade, Wrightstown
All ZIP codes:
07087, 07108, 07107, 08701, 07501, 07103, 07111, 07105, 07112, 08401, 07018, 08861, 07055, 08618, 07104, 07102, 07202, 08611, 07017, 07047, 07201, 08104, 07206, 07093, 07305, 07304, 07208, 08901, 07050, 08638, 07114, 07060, 08759, 08103, 07522, 07109, 07011, 07306, 07106, 08609, 08109, 07524, 07502, 07503, 08105, 08757, 08629, 08102, 07513, 08232, 07514, 07712, 07601, 07003, 08021, 08610, 08110, 08302, 07029, 07032, 07504, 08733, 08234, 07022, 07026, 08069, 08608, 08030, 07505, 07753, 07740, 07002, 08831, 08832, 07508, 07052, 07042, 08854, 08028, 07205, 08016, 08107, 08360, 07302, 08857, 08071, 08079, 08081, 07028, 07062, 08619, 08628, 07069, 07801, 07019, 08201, 08859, 07063, 08805, 07010, 08865, 08846, 08903, 08601, 08527, 08404, 08512, 08405, 08562, 08862, 08602, 08879, 08721, 08872, 08690, 08812, 08648, 08641, 08620, 08603, 08882, 08902, 08753, 08606, 08605, 08604, 08607, 07960, 08332, 07307, 07724, 07670, 07663, 07662, 07644, 07631, 07621, 07604, 07543, 07506, 07207, 07734, 07175, 07101, 07095, 07086, 07083, 07079, 07061, 07051, 07036, 07008, 07728, 07754, 08270, 08052, 08225, 08203, 08101, 08096, 08094, 08093, 08084, 08075, 08066, 08060, 08038, 07756, 08031, 08027, 08026, 08015, 08012, 07885, 07869, 07836, 07828, 07764, 08933
Look up a specific tract (FFIEC) → Source: FFIEC Census Flat File 2026, joined to IRS Rev. Proc. 2026-14 eligible tracts.
146
Eligible tracts in top investability quintile (Urban Institute model)
The Urban Institute investability model scores OZ-eligible tracts by predicted likelihood of attracting private capital, based on OZ 1.0 investment patterns. Quintile 1 = highest predicted investability among scored tracts. Not all tracts are scored — coverage reflects tracts with sufficient OZ 1.0 data.
Who to contact
NJ Dept. of Community Affairs (DCA) / NJ Economic Development Authority (NJEDA)
https://www.nj.gov/dca/dlps/home/opp_zones.shtmlCertified CDFIs
12 certified CDFIs headquartered in New Jersey. CDFI Fund certified list →
USDA Rural Development
USDA RD New Jersey State Office →RCAP Regional Partner
RCAP Solutions →Rural LISC
Rural LISC →Native / tribal
No formal tribal consultation process has been published for New Jersey's OZ 2.0 nomination. If your jurisdiction contains or is adjacent to tribal land, contact the relevant Tribal Historic Preservation Office (THPO) or tribal government directly before submitting a nomination.
Designations: Treasury, 2027 QOZ designations and revised eligible-tract file (October 30, 2026). Demographics: ACS 2020–2024 5-year. OZ 1.0: IRS Notice 2018-48, crosswalked to 2020 tracts. Eligible tract counts: IRS Rev. Proc. 2026-14 (April 6, 2026). Rural designation: Notice 2025-50, Section 4.01. Status tier last verified 2026-06-16. Full methodology.