Is black mold dangerous?
"Black mold" is a common name, not a scientific one. It usually refers to Stachybotrys chartarum, though plenty of harmless molds are also dark in color.
What the agencies actually say
What the CDC actually says is more measured than the reputation suggests: some molds do produce toxins, the connection between Stachybotrys and serious illness remains unproven, and every indoor growth should be handled identically whatever its color or species.
The EPA arrives at the same conclusion from the same direction. It does not advise routine species testing, because the recommendation that follows is identical whatever comes back from the lab: remove what is growing, and stop whatever is keeping the material wet.
Why the species matters less than people expect
Testing tells you what is growing. It does not tell you where the water is coming from, and the water is the actual problem. Removing growth without finding the moisture source means it returns in the same place.
So an inspection aimed at the water is worth more than a test aimed at the organism, with one exception: when what you need is a document rather than an understanding. A closing, a landlord who disagrees, a claim file: in those, the written report is the point.
Reactions vary between people
The one thing every public health source agrees on is that people are not interchangeable. Someone with asthma, an allergy history or a suppressed immune system can react to a level of exposure that a housemate walks past without noticing. That is exactly why the question has no single answer.
Next step: Mold inspection across New Jersey
If there is water in the home right now, that changes the priority: start here instead.
Everything above summarizes guidance published by public health agencies, and none of it is medical advice. If you believe your home is affecting your health, that question belongs with a physician.