PlainZIP

Ramsey, NJ · standard

ZIP Code 07446

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

14,484
1,011/sq mi
$160,996
Median income
$697,300
Median home value
67.0%
Bachelor's or higher

The verdict

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

Top 3%
household income, US ZIPs
Top 6%
home value, US ZIPs
1,011
people per sq mi
79%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07446 against every reporting US ZIP.

ZIP code 07446 is a mid-sized community (a standard USPS delivery area) in Ramsey, Bergen County, New Jersey, home to 14,484 residents across 14.3 square miles, a density of 1,011 people per square mile, in the New York time zone.

ZIP 07446 skews affluent, with a median household income of $160,996 (32% above the New Jersey average), while per-capita income is $82,081. 4.3% of residents live below the poverty line, and the unemployment rate reads 3.2%. On housing, the median home value is $697,300 (35% above the state average) with median rent at $2,245 per month, and 79.2% of occupied units are owner-occupied.

This is a highly-educated ZIP: 67.0% of adults hold a bachelor's degree or higher, the median age is 41.8, and the average commute is 32 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 07446, plus 6 more within Bergen 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 07446

Top 5 sectors by establishment count in Ramsey, NJ

Which industries have the most business establishments in ZIP 07446.

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 07446, Ramsey, 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

14,484

Population

14.3

Area (sq mi)

1,011

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 07446?

41.8

Median Age

50.9%

Male

49.1%

Female

18.1%

Foreign-Born

White 70.8%
African American 0.3%
Asian 8.7%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.5%
Hispanic or Latino 13.8%

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?

$160,996

Median Household Income

+32% vs state

$82,081

Per Capita Income

4.3%

Poverty Rate

3.2%

Unemployment Rate

31.8 min

Mean Commute Time

How ZIP 07446 ranks nationally

Ramsey, NJ household income vs. every US ZIP code

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

$160,996 Top 3% higher than 97% 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%). This entry sits in this band. $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 76.7%
Bachelor's Degree or Higher 67.0%

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

What does housing look like?

5,455

Total Housing Units

5,455

Occupied Units

0

Vacant Units

2.70

Avg Household Size

Occupancy Type

Owner 79.2%
Renter 20.8%

$697,300

Median Home Value

+35% vs state

$2,245

Median Rent

1968

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

+7.0%

YoY Change (2024)

229

HPI Index (2000 = 100)

+129%

Total Change Since 2000

Home values in ZIP 07446 have increased 7.0% over the past year (2024). Since 2000, this ZIP has seen +129% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.9% 169
2021 +6.7% 180
2022 +7.6% 194
2023 +10.7% 214
2024 +7.0% 229

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 716 business establishments in ZIP 07446, employing approximately 10,442 people with a combined annual payroll of $732,893,000.

716

Businesses

10,442

Employees

$732.9M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 101 14.1%
Retail trade 94 13.1%
Professional, scientific, and technical services 86 12.0%
Accommodation and food services 64 8.9%
Other services (except public administration) 58 8.1%
Wholesale trade 57 8.0%
Construction 50 7.0%
Administrative and support and waste management and remediation services 49 6.8%
Finance and insurance 41 5.7%
Real estate and rental and leasing 28 3.9%
Arts, entertainment, and recreation 25 3.5%
Information 17 2.4%
Manufacturing 15 2.1%
Transportation and warehousing 12 1.7%
Educational services 11 1.5%
Management of companies and enterprises 7 1.0%

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 07446 vs 07401 →

ZIP 07446 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 07446 ranks #3 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 07446 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 07446 ranks #6 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
07401 Allendale, NJ 6,494 1.9 mi
07458 Saddle River, NJ 11,360 2.7 mi
07430 Mahwah, NJ 25,890 2.6 mi
07495 Mahwah, NJ 0 3.2 mi
07463 Waldwick, NJ 9,615 3.3 mi
07432 Midland Park, NJ 7,128 4.4 mi
07481 Wyckoff, NJ 16,716 4.3 mi
07645 Montvale, NJ 7,832 5.0 mi
10931 Hillburn, NY 1,023 6.2 mi
07423 Ho Ho Kus, NJ 4,078 4.8 mi

More ZIP Codes in Bergen County

07601 standard
Hackensack, NJ
Pop: 43,010
07666 standard
Teaneck, NJ
Pop: 39,776
07024 standard
Fort Lee, NJ
Pop: 35,353
07410 standard
Fair Lawn, NJ
Pop: 32,457
07026 standard
Garfield, NJ
Pop: 30,555
07631 standard
Englewood, NJ
Pop: 27,119

Related Areas

Bergen County Ramsey, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 07446 in? ▼
ZIP code 07446 (Ramsey) is located in Bergen County, New Jersey. Bergen County contains multiple ZIP codes, see the full list at /counties/bergen-nj.
What is the population of ZIP code 07446? ▼
ZIP code 07446 in Ramsey, NJ has a population of 14,484 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07446? ▼
The median household income in ZIP 07446 is $160,996, which is 111% above the national average of $76,288.
What is the average home value in ZIP 07446? ▼
The median home value in ZIP 07446 is $697,300, which is 151% above the national average of $278,155.
What is the demographic makeup of ZIP 07446? ▼
The largest racial group in ZIP 07446 is White at 70.8%. Hispanic or Latino residents make up 13.8% of the population.
How many businesses are in ZIP code 07446? ▼
ZIP code 07446 has 716 business establishments employing approximately 10,442 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07446? ▼
The top industries by establishment count in ZIP 07446 are: Health care and social assistance (101), Retail trade (94), Professional, scientific, and technical services (86). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 07446? ▼
According to the FHFA House Price Index, home values in ZIP 07446 increased by 7.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 129%. 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 07446? ▼
In ZIP code 07446, 76.7% of residents aged 25+ have a high school diploma or higher, and 67.0% 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 07446? ▼
The mean commute time for workers in ZIP code 07446 is 31.8 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 07446? ▼
In ZIP code 07446, approximately 79.2% of occupied housing units are owner-occupied and 20.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07446? ▼
The poverty rate in ZIP code 07446 is 4.3% 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.