Residential delivery area · New Jersey
ZIP Code 07645: Montvale, NJ
ZIP code 07645 is in Montvale, New Jersey, entirely in Bergen County (Census 2020 ZIP-county file). About 8,900 people live there (Census Bureau, ACS 2020-2024). Median household income is $178,269 (Census Bureau, ACS 2020-2024).
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Montvale · its only residential ZIP
- County
- Bergen County
- Census places
- Montvale
- Metro area
- New York-Newark-Jersey City, NY-NJ
- House district
- NJ-5 119th Congress
- State
- New Jersey
- Time zone
- Eastern
- Land area
- 4.0 sq mi · 2,213 people per sq mi
Where is ZIP code 07645?
07645 centers on 41.055°, -74.047° and covers 4.0 square miles of land plus 0.0 of water. It borders 6 ZIP codes: 07656, 07677, 10965, 07458, 07675, 10977.
The map draws ZIP code areas only. For the streets inside 07645, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 07645 compare with the rest of Bergen County?
| Measure | 07645 | In Bergen County | In NJ |
|---|---|---|---|
| People (ACS 2020-2024) | 8,901 | 47th of 66 | 329th of 598 |
| Median household income | $178k | 18th of 60 | 60th of 476 |
| Median home value | $710k | 22nd of 65 | 92nd of 515 |
Its median household income is higher than in 98% of U.S. residential ZIP codes, and it is denser than 86% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 07645?
The 2020 Census counted 8,436 people in 07645; the ACS, which samples households over 2020-2024, estimates 8,901. Between the 2010 and 2020 censuses its population grew 7.7% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 8,901
- 2020 Census count
- 8,436+7.7% since 2010 (7,832)
- Households
- 3,126
- Median age
- 40.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 07645?
Of the 8,901 people the ACS estimates in 07645, 24.4% are under 18 and 18.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (69.4%), then Asian (not Hispanic) (13.8%).
- Under 1824.4%
- 18 to 6457.2%
- 65 and older18.4%
- White, not Hispanic69.4%
- Asian, not Hispanic13.8%
- Hispanic or Latino8.9%
- Black, not Hispanic5.2%
- Other or two or more2.7%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 07645 earn?
Median household income is $178,269 (ACS 2020-2024), the 18th highest of the 60 ranked ZIP codes in Bergen County. It is not measurably different from 2015-2019 ($180,009 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $178,269±$20,952
- Income per person
- $71,759
- Below the poverty line
- 4.0%
- Unemployed (of the labor force)
- 5.9%
- Adults 25+ with a bachelor's degree
- 55.0%
- Adjusted gross income per tax return, 2022
- $188,1134,680 returns; wages 65% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 07645?
FHFA's house price index for 07645, built from repeat sales and appraisals of the same homes, rose 60% from 2015 to 2025 and rose 45% from 2020 to 2025, and moved +4.1% in 2025.
- Median home value (owners' estimate)
- $709,700
- Median gross rent
- $2,053
- Homes owned by their occupants
- 80.0%
- Housing units
- 3,290
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 07645?
494 business establishments had a location in this ZIP code in 2023, 74 more than in 2018; the most are in professional, scientific, and technical services (ZIP Code Business Patterns).
- Professional, scientific, and technical services81
- Administrative and support and waste management and remediation services81
- Health care and social assistance54
- Finance and insurance39
- Wholesale trade31
- Real estate and rental and leasing31
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 07645?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 07656 | Park Ridge | 9,406 | $171k | 1.3 mi |
| 07677 | Woodcliff Lake | 6,152 | $214k | 2.1 mi |
| 10965 | Pearl River, NY | 15,206 | $133k | 2.1 mi |
| 07458 | Saddle River | 11,828 | $244k | 2.6 mi |
| 07675 | Westwood | 27,349 | $183k | 4.3 mi |
| 10977 | Spring Valley, NY | 71,571 | $75k | 4.4 mi |
| 07642 | Hillsdale | 10,144 | $187k | 3.3 mi (near) |
| 10954 | Nanuet, NY | 26,495 | $116k | 3.6 mi (near) |
| 10952 | Monsey, NY | 48,019 | $64k | 4.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.