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 High-density area
- $160,996
- Median income Above-median income area
- $697,300
- Median home value Above-median home value
- 67.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 07446 (Ramsey, NJ) rose +7.0% from 2023 to 2024. The all-transactions index moved from 214.2 in 2023 to 229.3 in 2024 (2000 = 100).
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 average New Jersey ZIP), while per-capita income is $82,081. Both reported hardship measures are comparatively low in absolute terms: poverty is 4.3% and unemployment is 3.2%. Housing is both higher-cost and owner-heavy: median home value is $697,300 (35% above the average New Jersey ZIP), while 79.2% of occupied homes are owner-occupied and median rent is $2,245.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Bergen County, so 07446 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 07446
Top 5 sectors by establishment count in Ramsey, NJ
Which industries have the most business establishments in ZIP 07446.
- Health care and social assistance
Health care and social assistance
101 establishments
- Retail trade
Retail trade
94 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
86 establishments
- Accommodation and food services
Accommodation and food services
64 establishments
- Other services (except public administration)
Other services (except public administration)
58 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 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
Who lives in ZIP 07446?
41.8
Median Age
50.9%
Male
49.1%
Female
18.1%
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?
$160,996
Median Household Income
+32% vs state ZIP avg
$82,081
Per Capita Income
4.3%
Poverty Rate
3.2%
Unemployment Rate
31.8 min
Mean Commute Time
How ZIP 07446 ranks among New Jersey ZIPs
Ramsey, 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)
$160,996 Top 19% higher than 81% 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
5,455housing units
5,455
Total Housing Units
5,455
Occupied Units
0
Vacant Units
2.70
Avg Household Size
Occupancy Type
$697,300
Median Home Value
+35% vs state ZIP avg
$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.
- 07430
Mahwah (07430)
25,890 residents
- 07481
Wyckoff (07481)
16,716 residents
- 07446
Ramsey (07446)
14,484 residents
- 07458
Saddle River (07458)
11,360 residents
- 07463 9,615
Waldwick (07463)
9,615 residents
- 07645 7,832
Montvale (07645)
7,832 residents
- 07432 7,128
Midland Park (07432)
7,128 residents
- 07401 6,494
Allendale (07401)
6,494 residents
- 07423 4,078
Ho Ho Kus (07423)
4,078 residents
What this shows Among its immediate neighbors, ZIP 07446 ranks #3 by population - useful context the national average alone can't give.
ZIP 07446 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07423
Ho Ho Kus (07423)
$250,000 median income
- 07458
Saddle River (07458)
$244,022 median income
- 07481
Wyckoff (07481)
$203,988 median income
- 07645
Montvale (07645)
$178,269 median income
- 07463
Waldwick (07463)
$177,962 median income
- 07446
Ramsey (07446)
$160,996 median income
- 07401
Allendale (07401)
$160,162 median income
- 07432
Midland Park (07432)
$146,841 median income
- 07430
Mahwah (07430)
$131,327 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 07446, 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 (14,484 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Bergen County
Related Areas
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.
Related
Take this with you
What to do with ZIP 07446's numbers, next.
- See how ZIP 07446 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Ramsey, 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.