Monmouth County · New Jersey
ZIP code 07728
- Population
- 56,623
- Median income
- $107,042
- Median home
- $490,000
- Sales tax
- 6.625%
ZCTA residents
Household, past 12 months
Owner-occupied value
New Jersey state rate
Quick answer
ZIP 07728 sits in Monmouth County, New Jersey and is home to 56,623 people. Median household income is $107,042, the median home is worth $490,000 and median gross rent is $1,941. 77.1% of households own their home, and purchases are taxed at 6.625% (New Jersey state rate).
- County
- Monmouth County
- State
- New Jersey (NJ)
- Area codes
- Not published
- Metro area
- Outside covered metros
FIPS 34025
598 ZIPs covered
No NANPA match for this ZIP
Rate jurisdiction used for tax
The numbers for 07728
American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.
- Population
- 56,623ZIP 07728 residents
- Median household income
- $107,042Past 12 months, inflation adjusted
- Median home value
- $490,000Owner-occupied units
- Median gross rent
- $1,941Rent plus utilities, monthly
- Median age
- 41.7 yrsAll residents
- Homeownership rate
- 77.1%Owner-occupied households
Sales tax in 07728
What a purchase inside this ZIP costs at checkout.
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.
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 07728 compares
ZIP 07728 against the median ZIP in Monmouth County and across New Jersey.
| Measure | ZIP 07728 | County median | State median | vs state |
|---|---|---|---|---|
| Median household income | $107,042 | $130,595 | $109,182 | -2% |
| Median home value | $490,000 | $638,250 | $423,950 | +16% |
| Median gross rent | $1,941 | $1,847 | $1,718 | +13% |
| Population | 56,623 | 6,901 | 10,128 | +459% |
Medians are computed across the 49 ZIP areas in Monmouth County and the 598 ZIP areas in New Jersey.
Statewide rank
Where this ZIP places among all 598 New Jersey ZIP areas.
- Income
- #302
- Home value
- #205
- Population
- #17
richer than 46% of 563 state ZIPs
above 64% of 562 state ZIPs
larger than 97% of 598 state ZIPs
Comparable ZIP codes
New Jersey ZIP areas with almost the same household income.
Nearby ZIP codes
Other ZIP codes filed under Monmouth County.
ZIP 07728 questions
Common questions about this ZIP code.
- Where is ZIP code 07728?
- ZIP 07728 lies mostly in Monmouth 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 07728?
- New Jersey charges 6.625% statewide.
- Is 07728 expensive to live in?
- Median rent runs $1,941 a month, about 22% of median household income, and the median home is worth $490,000 — +16% 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.
Keep going
Related pages for this area.
Sources & transparency
- US Census Bureau, ACS 2019-2023 5-year estimates — 2019-2023 ACS 5-year — population, income, housing
- Census 2020 ZCTA-to-county relationship file — County assignment by largest land-area overlap
- New Jersey Division of Taxation — Sales tax rates and local add-ons
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.