ZIP 07045 vs ZIP 07082

This side-by-side compares ZIP 07045 (Montville, NJ) and ZIP 07082 (Towaco, NJ) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 07045 has a population of 10,127 at 553 people per square mile, while ZIP 07082 has 5,384 at 344 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 07045 reports a median household income of $185,078 against $205,023 in ZIP 07082, with per-capita income of $82,818 vs $96,410. The share of adults holding a bachelor's degree or higher is 70.1% in 07045 and 73.0% in 07082. Poverty rate reads 2.7% vs 2.4%, and unemployment 4.8% vs 3.4% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $669,400 in 07045 versus $702,900 in 07082, with median rent of $2,846 and $1,950 per month respectively. Homeownership rate is 97.7% vs 93.3%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.