ZIP code 07863

ZIP 07863 is a small town in Warren County, New Jersey, with 4,097 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #458 of 598 ranked by population — larger than 23% of them. The median age here is 49.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 07863 earn a median of $101,417 a year, 29.1% 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 07863 is valued at $276,300, 8.9% below the national figure, while median gross rent runs $1,624 a month, 15.5% above the national figure, or roughly $19,488 across a full year. A household on the local median income would put about 19.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.7×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 88.9% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

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 07863 is tabulated inside Warren County, New Jersey, one of 16 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 07863 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 07863 reports a median household income of $101,417, 6% below the $108,419 county median, and 7% below the $109,182 typical NJ ZIP. Owner-occupied homes are valued at a median of $276,300, 26% below the county figure and 35% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,624 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 07863.

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 07863 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.