ZIP 07738 vs ZIP 07748

This side-by-side compares ZIP 07738 (Lincroft, NJ) and ZIP 07748 (Middletown, NJ) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 07738 has a population of 6,095 at 444 people per square mile, while ZIP 07748 has 28,030 at 809 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 07738 reports a median household income of $189,000 against $152,981 in ZIP 07748, with per-capita income of $81,491 vs $69,360. The share of adults holding a bachelor's degree or higher is 65.2% in 07738 and 52.3% in 07748. Poverty rate reads 2.0% vs 5.3%, and unemployment 5.2% vs 5.6% — 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 $807,300 in 07738 versus $600,600 in 07748, with median rent of $685 and $1,536 per month respectively. Homeownership rate is 88.5% vs 86.8%. 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.