New Milford, NJ · standard
ZIP Code 07646
Bergen County, New Jersey - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 16,341
- 2,764/sq mi High-density area
- $114,889
- Median income Above-median income area
- $580,400
- Median home value Above-median home value
- 47.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
New Milford pairs an upper-quartile household income with top-decile home values, in a suburban-density, homeowner-dominated area.
- Top 11%
- household income, US ZIPs
- Top 10%
- home value, US ZIPs
- 2,764
- people per sq mi
- 61%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07646 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 07646 (New Milford, NJ) rose +14.1% from 2023 to 2024. The all-transactions index moved from 235.5 in 2023 to 268.6 in 2024 (2000 = 100).
ZIP code 07646 is a mid-sized community (a standard USPS delivery area) in New Milford, Bergen County, New Jersey, home to 16,341 residents across 5.9 square miles, a density of 2,764 people per square mile, in the New York time zone.
ZIP 07646 skews affluent, with a median household income of $114,889 (6% below the average New Jersey ZIP), while per-capita income is $51,401. The poverty rate is 4.2%, with unemployment at 6.4%; those measures add context to the income figure. Median home value is $580,400 (12% above the average New Jersey ZIP) and median rent is $1,765; 61.4% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 47.4% of adults hold a bachelor's degree or higher, the median age is 39.6, and the average commute is 29 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Bergen County, so 07646 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 07646
Top 5 sectors by establishment count in New Milford, NJ
Which industries have the most business establishments in ZIP 07646.
- Construction
Construction
33 establishments
- Other services (except public administration)
Other services (except public administration)
32 establishments
- Health care and social assistance
Health care and social assistance
26 establishments
- Accommodation and food services
Accommodation and food services
26 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
23 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 07646, New Milford, 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
16,341
Population
5.9
Area (sq mi)
2,764
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 07646?
39.6
Median Age
48.7%
Male
51.3%
Female
30.1%
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?
$114,889
Median Household Income
-6% vs state ZIP avg
$51,401
Per Capita Income
4.2%
Poverty Rate
6.4%
Unemployment Rate
29.0 min
Mean Commute Time
How ZIP 07646 ranks among New Jersey ZIPs
New Milford, 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)
$114,889 Top 47% higher than 53% 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
6,376housing units
6,376
Total Housing Units
6,216
Occupied Units
160
Vacant Units
2.70
Avg Household Size
Occupancy Type
$580,400
Median Home Value
+12% vs state ZIP avg
$1,765
Median Rent
1954
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
+14.1%
YoY Change (2024)
269
HPI Index (2000 = 100)
+169%
Total Change Since 2000
Home values in ZIP 07646 have increased 14.1% over the past year (2024). Since 2000, this ZIP has seen +169% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.5% | 180 |
| 2021 | +7.5% | 193 |
| 2022 | +14.2% | 221 |
| 2023 | +6.6% | 235 |
| 2024 | +14.1% | 269 |
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 228 business establishments in ZIP 07646, employing approximately 1,922 people with a combined annual payroll of $75,625,000.
228
Businesses
1,922
Employees
$75.6M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 33 | 14.5% |
| Other services (except public administration) | 32 | 14.0% |
| Health care and social assistance | 26 | 11.4% |
| Accommodation and food services | 26 | 11.4% |
| Professional, scientific, and technical services | 23 | 10.1% |
| Retail trade | 21 | 9.2% |
| Administrative and support and waste management and remediation services | 20 | 8.8% |
| Real estate and rental and leasing | 10 | 4.4% |
| Finance and insurance | 9 | 4.0% |
| Educational services | 8 | 3.5% |
| Wholesale trade | 6 | 2.6% |
| Information | 5 | 2.2% |
| Transportation and warehousing | 4 | 1.8% |
| Arts, entertainment, and recreation | 3 | 1.3% |
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 07646 vs 07661 →
ZIP 07646 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07666
Teaneck (07666)
39,776 residents
- 07621
Bergenfield (07621)
26,761 residents
- 07652
Paramus (07652)
26,342 residents
- 07628
Dumont (07628)
17,433 residents
- 07646
New Milford (07646)
16,341 residents
- 07661 11,340
River Edge (07661)
11,340 residents
- 07626 8,537
Cresskill (07626)
8,537 residents
- 07603 8,187
Bogota (07603)
8,187 residents
- 07649 7,978
Oradell (07649)
7,978 residents
What this shows Among its immediate neighbors, ZIP 07646 ranks #5 by population - useful context the national average alone can't give.
ZIP 07646 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07641
Haworth (07641)
$236,765 median income
- 07649
Oradell (07649)
$221,322 median income
- 07626
Cresskill (07626)
$170,376 median income
- 07661
River Edge (07661)
$159,028 median income
- 07630
Emerson (07630)
$155,536 median income
- 07652
Paramus (07652)
$144,349 median income
- 07666
Teaneck (07666)
$144,075 median income
- 07621
Bergenfield (07621)
$130,045 median income
- 07628
Dumont (07628)
$126,071 median income
What this shows By household income, ZIP 07646 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 07661 | River Edge, NJ | 11,340 | 1.1 mi |
| 07621 | Bergenfield, NJ | 26,761 | 1.3 mi |
| 07649 | Oradell, NJ | 7,978 | 1.7 mi |
| 07628 | Dumont, NJ | 17,433 | 1.6 mi |
| 07630 | Emerson, NJ | 7,379 | 2.9 mi |
| 07641 | Haworth, NJ | 3,382 | 2.3 mi |
| 07666 | Teaneck, NJ | 39,776 | 3.1 mi |
| 07652 | Paramus, NJ | 26,342 | 2.8 mi |
| 07626 | Cresskill, NJ | 8,537 | 3.2 mi |
| 07603 | Bogota, NJ | 8,187 | 4.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 07646, 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 (16,341 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 07646 in?
ZIP code 07646 (New Milford) 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 07646?
ZIP code 07646 in New Milford, NJ has a population of 16,341 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07646?
The median household income in ZIP 07646 is $114,889, which is 51% above the national average of $76,288.
What is the average home value in ZIP 07646?
The median home value in ZIP 07646 is $580,400, which is 109% above the national average of $278,155.
What is the demographic makeup of ZIP 07646?
The largest racial group in ZIP 07646 is White at 51.1%. Hispanic or Latino residents make up 20.5% of the population.
How many businesses are in ZIP code 07646?
ZIP code 07646 has 228 business establishments employing approximately 1,922 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07646?
The top industries by establishment count in ZIP 07646 are: Construction (33), Other services (except public administration) (32), Health care and social assistance (26). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 07646?
According to the FHFA House Price Index, home values in ZIP 07646 increased by 14.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 169%. 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 07646?
In ZIP code 07646, 69.4% of residents aged 25+ have a high school diploma or higher, and 47.4% 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 07646?
The mean commute time for workers in ZIP code 07646 is 29.0 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 07646?
In ZIP code 07646, approximately 61.4% of occupied housing units are owner-occupied and 38.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07646?
The poverty rate in ZIP code 07646 is 4.2% 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 07646's numbers, next.
- See how ZIP 07646 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where New Milford, NJ ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.