PlainZIP

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
$110,670
Median income
$533,300
Median home value
45.2%
Bachelor's or higher

The verdict

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.

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 New Jersey average), while per-capita income is $63,436. Poverty here runs at 9.9%, with unemployment measured at 7.1%. Median home value sits at $533,300 (3% above the state average), median rent at $1,753 a month, and owner-occupancy at 54.4%.

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. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 07027, plus 6 more within Union County, give a clearer read than the national average alone.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 07027?

42.3

Median Age

51.2%

Male

48.8%

Female

19.1%

Foreign-Born

White 66.1%
African American 0.3%
Asian 4.5%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.9%
Hispanic or Latino 21.2%

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

$63,436

Per Capita Income

9.9%

Poverty Rate

7.1%

Unemployment Rate

29.6 min

Mean Commute Time

How ZIP 07027 ranks nationally

Garwood, NJ household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$110,670 Top 13% higher than 87% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 72.2%
Bachelor's Degree or Higher 45.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

2,169

Total Housing Units

2,129

Occupied Units

40

Vacant Units

2.29

Avg Household Size

Occupancy Type

Owner 54.4%
Renter 45.6%

$533,300

Median Home Value

+3% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 07027 ranks #0 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 07027 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

More ZIP Codes in Union County

07083 standard
Union, NJ
Pop: 53,053
07060 standard
Plainfield, NJ
Pop: 44,998
07036 standard
Linden, NJ
Pop: 41,970
07202 standard
Elizabeth, NJ
Pop: 40,849
07208 standard
Elizabeth, NJ
Pop: 31,219
07090 standard
Westfield, NJ
Pop: 30,338

Related Areas

Union County Garwood, NJ New Jersey

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.

Read our methodology to see how this data is sourced, computed, and verified.