ZIP code 07865

ZIP 07865 is a small town in Warren County, New Jersey, with 3,284 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #476 of 598 ranked by population — larger than 20% of them. The median age here is 33.9 years against 39.1 nationally, a slightly younger 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 07865 earn a median of $108,881 a year, 38.6% above the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 5.2% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 07865 is valued at $373,500, 23.1% above the national figure, while median gross rent runs $1,885 a month, 34.1% above the national figure, or roughly $22,620 across a full year. A household on the local median income would put about 20.8% 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 3.4×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 82.5% 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. 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.

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 07865 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 07865 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 07865 reports a median household income of $108,881, close to the $108,419 county median, and close to the $109,182 typical NJ ZIP. Owner-occupied homes are valued at a median of $373,500, close to the county figure and 12% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,885 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 07865.

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 07865 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.