PlainZIP

Mountain Lakes, NJ · standard

ZIP Code 07046

Morris County, New Jersey - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

4,194
614/sq mi
$250,001
Median income
$917,000
Median home value
85.9%
Bachelor's or higher

The verdict

Mountain Lakes pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 1%
household income, US ZIPs
Top 3%
home value, US ZIPs
614
people per sq mi
96%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07046 against every reporting US ZIP.

ZIP code 07046 covers 6.8 square miles in Mountain Lakes, Morris County, New Jersey (a standard USPS delivery area), with a modest 4,194 residents on file, a density of 614 people per square mile, in the New York time zone.

ZIP 07046 skews affluent, with a median household income of $250,001 (105% above the New Jersey average), while per-capita income is $116,093. Poverty here runs at 1.3%, with unemployment measured at 2.4%. The typical home here is valued at $917,000 (78% above the state average); renters pay a median of $3,501 monthly, and 96.1% of units are owner-occupied.

This is a highly-educated ZIP: 85.9% of adults hold a bachelor's degree or higher, the median age is 43.4, and the average commute is 34 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 07046, plus 6 more within Morris 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 07046

Top 5 sectors by establishment count in Mountain Lakes, NJ

Which industries have the most business establishments in ZIP 07046.

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 07046, Mountain Lakes, 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

4,194

Population

6.8

Area (sq mi)

614

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 07046?

43.4

Median Age

53.3%

Male

46.7%

Female

13.3%

Foreign-Born

White 77.9%
African American 0.0%
Asian 13.3%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.8%
Hispanic or Latino 3.8%

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?

$250,001

Median Household Income

+105% vs state

$116,093

Per Capita Income

1.3%

Poverty Rate

2.4%

Unemployment Rate

34.3 min

Mean Commute Time

How ZIP 07046 ranks nationally

Mountain Lakes, NJ household income vs. every US ZIP code

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

$250,001 Top 1% higher than 99% 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%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). Below this entry. $180,000–$200,000: 186 US ZIPs (1%). Below this entry. $200,000–$220,000: 324 US ZIPs (1%). This entry sits in this band. 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 93.1%
Bachelor's Degree or Higher 85.9%

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

What does housing look like?

1,492

Total Housing Units

1,443

Occupied Units

49

Vacant Units

3.18

Avg Household Size

Occupancy Type

Owner 96.1%
Renter 3.9%

$917,000

Median Home Value

+78% vs state

$3,501

Median Rent

1949

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

+10.6%

YoY Change (2024)

206

HPI Index (2000 = 100)

+106%

Total Change Since 2000

Home values in ZIP 07046 have increased 10.6% over the past year (2024). Since 2000, this ZIP has seen +106% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.2% 151
2021 +7.1% 161
2022 -0.1% 161
2023 +15.9% 187
2024 +10.6% 206

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 139 business establishments in ZIP 07046, employing approximately 2,141 people with a combined annual payroll of $147,427,000.

139

Businesses

2,141

Employees

$147.4M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 25 18.0%
Health care and social assistance 25 18.0%
Finance and insurance 14 10.1%
Accommodation and food services 11 7.9%
Other services (except public administration) 11 7.9%
Real estate and rental and leasing 9 6.5%
Administrative and support and waste management and remediation services 9 6.5%
Construction 8 5.8%
Educational services 6 4.3%
Retail trade 5 3.6%
Manufacturing 4 2.9%
Transportation and warehousing 4 2.9%
Information 4 2.9%
Wholesale trade 3 2.2%

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 07046 vs 07834 →

ZIP 07046 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 07046 ranks #9 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 07046 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 07046 ranks the highest 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
07834 Denville, NJ 17,722 2.4 mi
07878 Mount Tabor, NJ 934 2.3 mi
07005 Boonton, NJ 15,269 2.9 mi
07034 Lake Hiawatha, NJ 9,360 3.3 mi
07054 Parsippany, NJ 29,305 3.1 mi
07927 Cedar Knolls, NJ 3,403 4.8 mi
07950 Morris Plains, NJ 19,564 3.9 mi
07981 Whippany, NJ 8,865 4.9 mi
07045 Montville, NJ 10,127 4.1 mi
07866 Rockaway, NJ 22,098 5.1 mi

More ZIP Codes in Morris County

07960 standard
Morristown, NJ
Pop: 43,747
07054 standard
Parsippany, NJ
Pop: 29,305
07801 standard
Dover, NJ
Pop: 25,386
07869 standard
Randolph, NJ
Pop: 25,291
07866 standard
Rockaway, NJ
Pop: 22,098
07950 standard
Morris Plains, NJ
Pop: 19,564

Related Areas

Morris County Mountain Lakes, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 07046 in? ▼
ZIP code 07046 (Mountain Lakes) is located in Morris County, New Jersey. Morris County contains multiple ZIP codes, see the full list at /counties/morris-nj.
What is the population of ZIP code 07046? ▼
ZIP code 07046 in Mountain Lakes, NJ has a population of 4,194 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07046? ▼
The median household income in ZIP 07046 is $250,001, which is 228% above the national average of $76,288.
What is the average home value in ZIP 07046? ▼
The median home value in ZIP 07046 is $917,000, which is 230% above the national average of $278,155.
What is the demographic makeup of ZIP 07046? ▼
The largest racial group in ZIP 07046 is White at 77.9%. Hispanic or Latino residents make up 3.8% of the population.
How many businesses are in ZIP code 07046? ▼
ZIP code 07046 has 139 business establishments employing approximately 2,141 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07046? ▼
The top industries by establishment count in ZIP 07046 are: Professional, scientific, and technical services (25), Health care and social assistance (25), Finance and insurance (14). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 07046? ▼
According to the FHFA House Price Index, home values in ZIP 07046 increased by 10.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 106%. 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 07046? ▼
In ZIP code 07046, 93.1% of residents aged 25+ have a high school diploma or higher, and 85.9% 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 07046? ▼
The mean commute time for workers in ZIP code 07046 is 34.3 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 07046? ▼
In ZIP code 07046, approximately 96.1% of occupied housing units are owner-occupied and 3.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07046? ▼
The poverty rate in ZIP code 07046 is 1.3% 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.