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Union County · New Jersey

ZIP code 07203

Population, income, housing costs and the sales tax rate charged on purchases inside ZIP 07203 — Census 2019-2023 ACS 5-year, no modelled estimates.
Population
22,455

ZCTA residents

Median income
$82,967

Household, past 12 months

Median home
$336,500

Owner-occupied value

Sales tax
6.625%

New Jersey state rate

Quick answer

ZIP 07203 sits in Union County, New Jersey and is home to 22,455 people. Median household income is $82,967, the median home is worth $336,500 and median gross rent is $1,499. 51.8% of households own their home, and purchases are taxed at 6.625% (New Jersey state rate).

County
Union County

FIPS 34039

State
New Jersey (NJ)

598 ZIPs covered

Area codes
Not published

No NANPA match for this ZIP

Metro area
Outside covered metros

Rate jurisdiction used for tax

The numbers for 07203

American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.

Population
22,455ZIP 07203 residents
Median household income
$82,967Past 12 months, inflation adjusted
Median home value
$336,500Owner-occupied units
Median gross rent
$1,499Rent plus utilities, monthly
Median age
39.8 yrsAll residents
Homeownership rate
51.8%Owner-occupied households

ZIP 07203 in context

How this area compares with national benchmarks.

ZIP 07203 is a mid-size town in Union County, New Jersey, with 22,455 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #150 of 598 ranked by population — larger than 75% of them. The median age here is 39.8 years against 39.1 nationally, a slightly older 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 07203 earn a median of $82,967 a year, 5.6% above the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 10.4% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 07203 is valued at $336,500, 10.9% above the national figure, while median gross rent runs $1,499 a month, 6.6% above the national figure, or roughly $17,988 across a full year. A household on the local median income would put about 21.7% 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 4.1×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 51.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. 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.

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.

Reading ZIP 07203 in context

How 07203 sits inside Union County and New Jersey.

ZIP 07203 is tabulated inside Union County, New Jersey, one of 26 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 07203 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 07203 reports a median household income of $82,967, 19% below the $102,683 county median, and 24% below the $109,182 typical NJ ZIP. Owner-occupied homes are valued at a median of $336,500, 21% below the county figure and 21% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,499 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 07203.

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 07203 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.

Sales tax in 07203

What a purchase inside this ZIP costs at checkout.

Rate applied
6.625%State base rate only
Tax on $100
$7Rounded to the dollar
Tax on $1,000
$66Before any exemptions

New Jersey levies 6.625% statewide with no local add-ons. Check the county page for the local component before you quote a price.

Affordability in this ZIP

Derived from the Census medians above — indicative, not an offer.

Rent burden
22%Median rent ÷ median income
Price-to-income
4.1×Home value ÷ household income
Est. mortgage
$1,746/mo20% down, 30-yr at 6.75%
Poverty rate
10.4%Residents below poverty line

A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.

How 07203 compares

ZIP 07203 against the median ZIP in Union County and across New Jersey.

MeasureZIP 07203County medianState medianvs state
Median household income$82,967$102,683$109,182-24%
Median home value$336,500$425,600$423,950-21%
Median gross rent$1,499$1,794$1,718-13%
Population22,45522,31710,128+122%

Medians are computed across the 26 ZIP areas in Union County and the 598 ZIP areas in New Jersey.

Statewide rank

Where this ZIP places among all 598 New Jersey ZIP areas.

Income

richer than 20% of 563 state ZIPs

#450
Home value

above 28% of 562 state ZIPs

#407
Population

larger than 75% of 598 state ZIPs

#150

Comparable ZIP codes

New Jersey ZIP areas with almost the same household income.

ZIPCountyIncomeHome valueRent
08330Atlantic County$82,981$230,700$1,576
07606Bergen County$82,750$514,700$1,906
07032Hudson County$83,212$431,700$1,649
07057Bergen County$82,422$493,700$1,568
07601Bergen County$82,212$370,300$1,794
08037Atlantic County$83,762$307,700$1,297

Nearby ZIP codes

Other ZIP codes filed under Union County.

Adjacent ZIP Codes

Other ZIP codes in Union County, New Jersey.

ZIP 07203 questions

Common questions about this ZIP code.

Where is ZIP code 07203?
ZIP 07203 lies mostly in Union County, New Jersey. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
What sales tax do I pay in 07203?
New Jersey charges 6.625% statewide.
Is 07203 expensive to live in?
Median rent runs $1,499 a month, about 22% of median household income, and the median home is worth $336,500 — -21% against the typical New Jersey ZIP.
Is a ZCTA the same as a postal ZIP code?
Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.

Related pages for this area.

Sources & transparency

Every figure on this page is a published estimate for ZIP Code Tabulation Area 07203, except the affordability ratios and mortgage estimate, which we derive from those medians and label as estimates.

Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.