ZIP code 07720

ZIP 07720 is a small town in Monmouth County, New Jersey, with 4,147 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #455 of 598 ranked by population — larger than 23% of them. The median age here is 41.4 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 07720 earn a median of $94,722 a year, 20.6% 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 6% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 07720 is valued at $857,200, 182.5% above the national figure, while median gross rent runs $1,710 a month, 21.6% above the national figure, or roughly $20,520 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 9×, 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. 48.3% 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.

Home values sit at 9× 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.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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 07720 is tabulated inside Monmouth County, New Jersey, one of 49 ZIP areas the Census publishes for that county and 598 across New Jersey. Population sits in the small-town band, typically one main street plus the addresses that feed into it. 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 07720 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 07720 reports a median household income of $94,722, 27% below the $130,595 county median, and 13% below the $109,182 typical NJ ZIP. Owner-occupied homes are valued at a median of $857,200, 34% above the county figure and 102% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,710 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 07720.

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 07720 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.