ZIP code 07974

ZIP 07974 is a mid-size town in Union County, New Jersey, with 12,737 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #255 of 598 ranked by population — larger than 57% of them. The median age here is 44.6 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 07974 earn a median of $168,860 a year, 115% above the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 2.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 07974 is valued at $726,000, 139.3% above the national figure, while median gross rent runs $2,042 a month, 45.2% above the national figure, or roughly $24,504 across a full year. A household on the local median income would put about 14.5% 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 4.3×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 82.8% 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.

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 07974 is tabulated inside Union County, New Jersey, one of 26 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 07974 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 07974 reports a median household income of $168,860, 64% above the $102,683 county median, and 55% above the $109,182 typical NJ ZIP. Owner-occupied homes are valued at a median of $726,000, 71% above the county figure and 71% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $2,042 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 07974.

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 07974 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.