ZIP 07727 vs ZIP 07731

This side-by-side compares ZIP 07727 (Farmingdale, NJ) and ZIP 07731 (Howell, NJ) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 07727 has a population of 7,050 at 124 people per square mile, while ZIP 07731 has 38,304 at 445 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 07727 reports a median household income of $129,931 against $134,056 in ZIP 07731, with per-capita income of $61,481 vs $50,266. The share of adults holding a bachelor's degree or higher is 51.3% in 07727 and 44.0% in 07731. Poverty rate reads 4.1% vs 8.1%, and unemployment 7.7% vs 4.8% — 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 $652,400 in 07727 versus $494,600 in 07731, with median rent of $1,931 and $2,570 per month respectively. Homeownership rate is 82.4% vs 88.3%. 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.