ZIP code 07086

ZIP 07086 is a mid-size town in Hudson County, New Jersey, with 16,946 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #205 of 598 ranked by population — larger than 65% of them. The median age here is 37.9 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 07086 earn a median of $122,653 a year, 56.2% above the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 6.4% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 07086 is valued at $875,300, 188.5% above the national figure, while median gross rent runs $2,422 a month, 72.3% above the national figure, or roughly $29,064 across a full year. A household on the local median income would put about 23.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 7.1×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 30.2% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 7.1× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 07086 is tabulated inside Hudson County, New Jersey, one of 16 ZIP areas the Census publishes for that county and 598 across New Jersey. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 07086 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 07086 reports a median household income of $122,653, 51% above the $81,015 county median, and 12% above the $109,182 typical NJ ZIP. Owner-occupied homes are valued at a median of $875,300, 79% above the county figure and 106% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $2,422 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New Jersey charges 6.625% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 07086.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 07086 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.