Summit's housing stock is defined by established single-family homes on tree-lined streets, spanning gracious older residences near the downtown and the railroad, mid-century construction, and newer infill homes. Zoning has long favored single-family neighborhoods, and the city's development has been shaped by its desirability as a commuter community, resulting in well-maintained, relatively high-value housing with limited high-density construction. The character is one of permanence and maturity, with an architectural mix reflecting more than a century of continuous residential development.

Summit offers an established, walkable suburban lifestyle built around a thriving downtown and a strong sense of community. The city's commercial district holds a concentration of restaurants, shops, and cultural venues, giving residents a genuine town center rather than a car-dependent strip, while the surrounding streets are lined with mature trees and well-kept homes. Community life is anchored by the schools, the downtown, and local institutions such as the Reeves-Reed Arboretum and the Summit Playhouse. It suits professionals and families seeking a refined commuter suburb with its own identity and amenities.

Summit is served by the Summit Public Schools, a district that includes schools such as Lawton C. Johnson Middle School and Summit High School. The district is widely regarded as a primary draw for families relocating to the city and contributes strongly to Summit's standing as a sought-after commuter suburb. The combination of well-regarded schools, downtown amenities, and rail access makes the city a natural choice for families seeking both quality education and metropolitan convenience.

Summit's transportation is anchored by NJ Transit rail service, with the Midtown Direct train providing an express ride of about 30 minutes to New York's Penn Station, making the city one of the region's most rail-accessible suburbs. Road access is equally strong, with Routes 24 and 78 and the Garden State Parkway nearby, and Newark Liberty International Airport is minutes away. The combination of rail, highway, and air access positions Summit as a practical base for commuters across the New York metropolitan area.

The Reeves-Reed Arboretum, a 13.5-acre historic estate and garden that is Union County's only arboretum, is Summit's signature recreational and cultural asset, offering gardens, woodland trails, and seasonal programs. The Watchung Reservation, a large Union County park system, lies immediately nearby and provides extensive hiking and open space. The city's downtown offers dining and cultural venues, including the Summit Playhouse, and community parks and recreation programs round out a well-developed recreational landscape.