ZIP code 07631

ZIP 07631 is a small city in Bergen County, New Jersey, with 29,342 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #98 of 598 ranked by population — larger than 83% of them. The median age here is 43 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 07631 earn a median of $101,398 a year, 29.1% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 9.8% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 07631 is valued at $497,500, 64% above the national figure, while median gross rent runs $1,925 a month, 36.9% above the national figure, or roughly $23,100 across a full year. A household on the local median income would put about 22.8% 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 4.9×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 52.7% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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 07631 is tabulated inside Bergen County, New Jersey, one of 66 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 07631 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 07631 reports a median household income of $101,398, 25% below the $136,069 county median, and 7% below the $109,182 typical NJ ZIP. Owner-occupied homes are valued at a median of $497,500, 16% below the county figure and 17% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,925 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 07631.

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 07631 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.