PlainZIP

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
$114,889
Median income
$580,400
Median home value
47.4%
Bachelor's or higher

The verdict

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.

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 New Jersey average), while per-capita income is $51,401. The poverty rate stands at 4.2% and the unemployment rate at 6.4%. The typical home here is valued at $580,400 (12% above the state average); renters pay a median of $1,765 monthly, and 61.4% of units 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. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 07646, plus 6 more within Bergen County, give a clearer read than the national average alone.

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.

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 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

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 07646?

39.6

Median Age

48.7%

Male

51.3%

Female

30.1%

Foreign-Born

White 51.1%
African American 5.7%
Asian 20.3%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.1%
Hispanic or Latino 20.5%

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

$51,401

Per Capita Income

4.2%

Poverty Rate

6.4%

Unemployment Rate

29.0 min

Mean Commute Time

How ZIP 07646 ranks nationally

New Milford, NJ household income vs. every US ZIP code

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

$114,889 Top 11% higher than 89% 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%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $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 69.4%
Bachelor's Degree or Higher 47.4%

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

What does housing look like?

6,376

Total Housing Units

6,216

Occupied Units

160

Vacant Units

2.70

Avg Household Size

Occupancy Type

Owner 61.4%
Renter 38.6%

$580,400

Median Home Value

+12% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 07646 ranks #5 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 07646 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 07646 ranks #null 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
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

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 New Milford, NJ New Jersey

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.

Read our methodology to see how this data is sourced, computed, and verified.