Garwood, NJ · standard
ZIP Code 07027
Union County, New Jersey - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,226
- 2,506/sq mi High-density area
- $110,670
- Median income Above-median income area
- $533,300
- Median home value Above-median home value
- 45.2%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Garwood pairs an upper-quartile household income with upper-quartile home values, in a suburban-density, mixed-tenure area.
- Top 13%
- household income, US ZIPs
- Top 12%
- home value, US ZIPs
- 2,506
- people per sq mi
- 54%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07027 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 07027 (Garwood, NJ) rose +17.2% from 2023 to 2024. The all-transactions index moved from 244.2 in 2023 to 286.1 in 2024 (2000 = 100).
ZIP code 07027 covers 1.7 square miles in Garwood, Union County, New Jersey (a standard USPS delivery area), with a modest 4,226 residents on file, a density of 2,506 people per square mile, in the New York time zone.
ZIP 07027 skews affluent, with a median household income of $110,670 (9% below the average New Jersey ZIP), while per-capita income is $63,436. The poverty rate is 9.9%, with unemployment at 7.1%; those measures add context to the income figure. Median home value is $533,300 (3% above the average New Jersey ZIP) and median rent is $1,753; 54.4% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 45.2% of adults hold a bachelor's degree or higher, the median age is 42.3, and the average commute is 30 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Union County, so 07027 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 07027
Top 5 sectors by establishment count in Garwood, NJ
Which industries have the most business establishments in ZIP 07027.
- Retail trade
Retail trade
28 establishments
- Accommodation and food services
Accommodation and food services
24 establishments
- Other services (except public administration)
Other services (except public administration)
24 establishments
- Construction
Construction
16 establishments
- Wholesale trade
Wholesale trade
12 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 07027, Garwood, NJ · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
4,226
Population
1.7
Area (sq mi)
2,506
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 07027?
42.3
Median Age
51.2%
Male
48.8%
Female
19.1%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$110,670
Median Household Income
-9% vs state ZIP avg
$63,436
Per Capita Income
9.9%
Poverty Rate
7.1%
Unemployment Rate
29.6 min
Mean Commute Time
How ZIP 07027 ranks among New Jersey ZIPs
Garwood, NJ household income vs. every New Jersey ZIP code
Median household income among 565 reporting New Jersey ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$110,670 49th percentile higher than 49% of 565 New Jersey ZIPs
Each bar is a $20K-wide band; taller bars hold more New Jersey ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
2,169housing units
2,169
Total Housing Units
2,129
Occupied Units
40
Vacant Units
2.29
Avg Household Size
Occupancy Type
$533,300
Median Home Value
+3% vs state ZIP avg
$1,753
Median Rent
1953
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+17.2%
YoY Change (2024)
286
HPI Index (2000 = 100)
+186%
Total Change Since 2000
Home values in ZIP 07027 have increased 17.2% over the past year (2024). Since 2000, this ZIP has seen +186% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.3% | 191 |
| 2021 | +8.1% | 206 |
| 2022 | +15.3% | 238 |
| 2023 | +2.6% | 244 |
| 2024 | +17.2% | 286 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 163 business establishments in ZIP 07027, employing approximately 1,950 people with a combined annual payroll of $81,223,000.
163
Businesses
1,950
Employees
$81.2M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 28 | 17.2% |
| Accommodation and food services | 24 | 14.7% |
| Other services (except public administration) | 24 | 14.7% |
| Construction | 16 | 9.8% |
| Wholesale trade | 12 | 7.4% |
| Health care and social assistance | 11 | 6.8% |
| Administrative and support and waste management and remediation services | 10 | 6.1% |
| Manufacturing | 7 | 4.3% |
| Professional, scientific, and technical services | 7 | 4.3% |
| Arts, entertainment, and recreation | 7 | 4.3% |
| Educational services | 5 | 3.1% |
| Real estate and rental and leasing | 4 | 2.5% |
| Finance and insurance | 3 | 1.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 07027 vs 07090 →
ZIP 07027 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07090
Westfield (07090)
30,338 residents
- 07076
Scotch Plains (07076)
23,480 residents
- 07016
Cranford (07016)
22,625 residents
- 07203
Roselle (07203)
21,085 residents
- 07067
Colonia (07067)
18,036 residents
- 07081
Springfield (07081)
15,808 residents
- 07066
Clark (07066)
14,756 residents
- 07204
Roselle Park (07204)
13,297 residents
- 07033 7,914
Kenilworth (07033)
7,914 residents
What this shows Among its immediate neighbors, ZIP 07027 ranks #0 by population - useful context the national average alone can't give.
ZIP 07027 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07090
Westfield (07090)
$232,629 median income
- 07092
Mountainside (07092)
$211,538 median income
- 07076
Scotch Plains (07076)
$183,655 median income
- 07016
Cranford (07016)
$155,972 median income
- 07081
Springfield (07081)
$155,906 median income
- 07066
Clark (07066)
$133,504 median income
- 07067
Colonia (07067)
$122,713 median income
- 07033
Kenilworth (07033)
$118,611 median income
- 07027
Garwood (07027)
$110,670 median income
What this shows By household income, ZIP 07027 ranks #9 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 07090 | Westfield, NJ | 30,338 | 1.1 mi |
| 07016 | Cranford, NJ | 22,625 | 1.1 mi |
| 07066 | Clark, NJ | 14,756 | 2.2 mi |
| 07081 | Springfield, NJ | 15,808 | 3.3 mi |
| 07033 | Kenilworth, NJ | 7,914 | 2.6 mi |
| 07203 | Roselle, NJ | 21,085 | 3.3 mi |
| 07092 | Mountainside, NJ | 6,730 | 2.8 mi |
| 07067 | Colonia, NJ | 18,036 | 4.1 mi |
| 07076 | Scotch Plains, NJ | 23,480 | 2.9 mi |
| 07204 | Roselle Park, NJ | 13,297 | 3.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 07027, both outside NJ so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (4,226 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Union County
Related Areas
Frequently Asked Questions
What county is ZIP code 07027 in?
ZIP code 07027 (Garwood) is located in Union County, New Jersey. Union County contains multiple ZIP codes, see the full list at /counties/union-nj.
What is the population of ZIP code 07027?
ZIP code 07027 in Garwood, NJ has a population of 4,226 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07027?
The median household income in ZIP 07027 is $110,670, which is 45% above the national average of $76,288.
What is the average home value in ZIP 07027?
The median home value in ZIP 07027 is $533,300, which is 92% above the national average of $278,155.
What is the demographic makeup of ZIP 07027?
The largest racial group in ZIP 07027 is White at 66.1%. Hispanic or Latino residents make up 21.2% of the population.
How many businesses are in ZIP code 07027?
ZIP code 07027 has 163 business establishments employing approximately 1,950 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07027?
The top industries by establishment count in ZIP 07027 are: Retail trade (28), Accommodation and food services (24), Other services (except public administration) (24). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 07027?
According to the FHFA House Price Index, home values in ZIP 07027 increased by 17.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 186%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 07027?
In ZIP code 07027, 72.2% of residents aged 25+ have a high school diploma or higher, and 45.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 07027?
The mean commute time for workers in ZIP code 07027 is 29.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 07027?
In ZIP code 07027, approximately 54.4% of occupied housing units are owner-occupied and 45.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07027?
The poverty rate in ZIP code 07027 is 9.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 07027's numbers, next.
- See how ZIP 07027 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Garwood, NJ ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.