PlainZIP

Montvale, NJ · standard

ZIP Code 07645

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

7,832
754/sq mi
$178,269
Median income
$709,700
Median home value
55.0%
Bachelor's or higher

The verdict

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

Top 2%
household income, US ZIPs
Top 6%
home value, US ZIPs
754
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07645 against every reporting US ZIP.

ZIP code 07645 is a mid-sized community (a standard USPS delivery area) in Montvale, Bergen County, New Jersey, home to 7,832 residents across 10.4 square miles, a density of 754 people per square mile, in the New York time zone.

ZIP 07645 skews affluent, with a median household income of $178,269 (46% above the New Jersey average), while per-capita income is $71,759. 4.0% of residents live below the poverty line, and the unemployment rate reads 5.9%. Median home value sits at $709,700 (37% above the state average), median rent at $2,053 a month, and owner-occupancy at 80.0%.

This is a highly-educated ZIP: 55.0% of adults hold a bachelor's degree or higher, the median age is 40.1, and the average commute is 32 minutes. To put 07645 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Bergen County, for a geography-aware comparison.

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 07645

Top 5 sectors by establishment count in Montvale, NJ

Which industries have the most business establishments in ZIP 07645.

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 07645, Montvale, 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

7,832

Population

10.4

Area (sq mi)

754

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 07645?

40.1

Median Age

48.6%

Male

51.4%

Female

20.6%

Foreign-Born

White 71.9%
African American 5.2%
Asian 13.8%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.8%
Hispanic or Latino 8.9%

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?

$178,269

Median Household Income

+46% vs state

$71,759

Per Capita Income

4.0%

Poverty Rate

5.9%

Unemployment Rate

32.2 min

Mean Commute Time

How ZIP 07645 ranks nationally

Montvale, NJ household income vs. every US ZIP code

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

$178,269 Top 2% higher than 98% 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 68.9%
Bachelor's Degree or Higher 55.0%

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

What does housing look like?

3,290

Total Housing Units

3,126

Occupied Units

164

Vacant Units

2.84

Avg Household Size

Occupancy Type

Owner 80.0%
Renter 20.0%

$709,700

Median Home Value

+37% vs state

$2,053

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)

236

HPI Index (2000 = 100)

+136%

Total Change Since 2000

Home values in ZIP 07645 have increased 7.0% over the past year (2024). Since 2000, this ZIP has seen +136% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.0% 168
2021 +6.8% 179
2022 +8.9% 195
2023 +12.8% 221
2024 +7.0% 236

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 494 business establishments in ZIP 07645, employing approximately 11,077 people with a combined annual payroll of $1,108,085,000.

494

Businesses

11,077

Employees

$1.1B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 81 16.4%
Administrative and support and waste management and remediation services 81 16.4%
Health care and social assistance 54 10.9%
Finance and insurance 39 7.9%
Wholesale trade 31 6.3%
Real estate and rental and leasing 31 6.3%
Accommodation and food services 31 6.3%
Other services (except public administration) 30 6.1%
Construction 29 5.9%
Retail trade 29 5.9%
Management of companies and enterprises 23 4.7%
Information 10 2.0%
Arts, entertainment, and recreation 8 1.6%
Educational services 7 1.4%
Transportation and warehousing 6 1.2%
Manufacturing 4 0.8%

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 07645 vs 07656 →

ZIP 07645 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 07645 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 07645 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 07645 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
07656 Park Ridge, NJ 8,669 1.3 mi
07677 Woodcliff Lake, NJ 5,730 2.0 mi
10965 Pearl River, NY 14,791 2.0 mi
07642 Hillsdale, NJ 10,207 3.2 mi
07458 Saddle River, NJ 11,360 2.5 mi
10977 Spring Valley, NY 59,048 4.5 mi
07676 Township Of Washington, NJ 9,075 4.5 mi
10954 Nanuet, NY 23,045 3.8 mi
07675 Westwood, NJ 26,339 3.8 mi
10952 Monsey, NY 38,917 4.5 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 Montvale, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 07645 in? ▼
ZIP code 07645 (Montvale) 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 07645? ▼
ZIP code 07645 in Montvale, NJ has a population of 7,832 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07645? ▼
The median household income in ZIP 07645 is $178,269, which is 134% above the national average of $76,288.
What is the average home value in ZIP 07645? ▼
The median home value in ZIP 07645 is $709,700, which is 155% above the national average of $278,155.
What is the demographic makeup of ZIP 07645? ▼
The largest racial group in ZIP 07645 is White at 71.9%. Hispanic or Latino residents make up 8.9% of the population.
How many businesses are in ZIP code 07645? ▼
ZIP code 07645 has 494 business establishments employing approximately 11,077 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07645? ▼
The top industries by establishment count in ZIP 07645 are: Professional, scientific, and technical services (81), Administrative and support and waste management and remediation services (81), Health care and social assistance (54). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 07645? ▼
According to the FHFA House Price Index, home values in ZIP 07645 increased by 7.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 136%. 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 07645? ▼
In ZIP code 07645, 68.9% of residents aged 25+ have a high school diploma or higher, and 55.0% 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 07645? ▼
The mean commute time for workers in ZIP code 07645 is 32.2 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 07645? ▼
In ZIP code 07645, approximately 80.0% of occupied housing units are owner-occupied and 20.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07645? ▼
The poverty rate in ZIP code 07645 is 4.0% 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.