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 High-density area
- $178,269
- Median income Above-median income area
- $709,700
- Median home value Above-median home value
- 55.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 07645 (Montvale, NJ) rose +7.0% from 2023 to 2024. The all-transactions index moved from 220.5 in 2023 to 235.8 in 2024 (2000 = 100).
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 average New Jersey ZIP), while per-capita income is $71,759. The poverty rate is 4.0%, with unemployment at 5.9%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $709,700 (37% above the average New Jersey ZIP), while 80.0% of occupied homes are owner-occupied and median rent is $2,053.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Bergen County, so 07645 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 07645
Top 5 sectors by establishment count in Montvale, NJ
Which industries have the most business establishments in ZIP 07645.
- Professional, scientific, and technical services
Professional, scientific, and technical services
81 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
81 establishments
- Health care and social assistance
Health care and social assistance
54 establishments
- Finance and insurance
Finance and insurance
39 establishments
- Wholesale trade 31
Wholesale trade
31 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 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
Who lives in ZIP 07645?
40.1
Median Age
48.6%
Male
51.4%
Female
20.6%
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?
$178,269
Median Household Income
+46% vs state ZIP avg
$71,759
Per Capita Income
4.0%
Poverty Rate
5.9%
Unemployment Rate
32.2 min
Mean Commute Time
How ZIP 07645 ranks among New Jersey ZIPs
Montvale, 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)
$178,269 Top 13% higher than 87% 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
3,290housing units
3,290
Total Housing Units
3,126
Occupied Units
164
Vacant Units
2.84
Avg Household Size
Occupancy Type
$709,700
Median Home Value
+37% vs state ZIP avg
$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.
- 10977
Spring Valley (10977)
59,048 residents
- 10952
Monsey (10952)
38,917 residents
- 07675
Westwood (07675)
26,339 residents
- 10954 23,045
Nanuet (10954)
23,045 residents
- 10965 14,791
Pearl River (10965)
14,791 residents
- 07458 11,360
Saddle River (07458)
11,360 residents
- 07642 10,207
Hillsdale (07642)
10,207 residents
- 07676 9,075
Township Of Washington (07676)
9,075 residents
- 07656 8,669
Park Ridge (07656)
8,669 residents
What this shows Among its immediate neighbors, ZIP 07645 ranks #0 by population - useful context the national average alone can't give.
ZIP 07645 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07458
Saddle River (07458)
$244,022 median income
- 07677
Woodcliff Lake (07677)
$213,981 median income
- 07642
Hillsdale (07642)
$186,688 median income
- 07675
Westwood (07675)
$183,154 median income
- 07676
Township Of Washington (07676)
$180,133 median income
- 07645
Montvale (07645)
$178,269 median income
- 07656
Park Ridge (07656)
$171,029 median income
- 10965
Pearl River (10965)
$132,660 median income
- 10954
Nanuet (10954)
$116,332 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 07645, 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 (7,832 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 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.
Related
Take this with you
What to do with ZIP 07645's numbers, next.
- See how ZIP 07645 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Montvale, 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.