PlainZIP

Cliffwood, NJ · standard

ZIP Code 07721

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

2,974
1,245/sq mi
$123,060
Median income
$424,700
Median home value
53.7%
Bachelor's or higher

The verdict

Cliffwood pairs a top-decile household income with upper-quartile home values, in a low-density, mixed-tenure area.

Top 9%
household income, US ZIPs
Top 18%
home value, US ZIPs
1,245
people per sq mi
59%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07721 against every reporting US ZIP.

ZIP code 07721 covers 2.4 square miles in Cliffwood, Monmouth County, New Jersey (a standard USPS delivery area), with a modest 2,974 residents on file, a density of 1,245 people per square mile, in the New York time zone.

ZIP 07721 skews affluent, with a median household income of $123,060 (1% above the New Jersey average), while per-capita income is $50,002. Poverty here runs at 4.6%, with unemployment measured at 7.3%. Median home value sits at $424,700 (18% below the state average), median rent at $1,862 a month, and owner-occupancy at 58.8%.

This is a highly-educated ZIP: 53.7% of adults hold a bachelor's degree or higher, the median age is 30.9, and the average commute is 32 minutes. To put 07721 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Monmouth 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 07721

Top 5 sectors by establishment count in Cliffwood, NJ

Which industries have the most business establishments in ZIP 07721.

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 07721, Cliffwood, 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

2,974

Population

2.4

Area (sq mi)

1,245

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 07721?

30.9

Median Age

52.9%

Male

47.1%

Female

19.2%

Foreign-Born

White 38.3%
African American 17.6%
Asian 17.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 12.7%
Hispanic or Latino 17.8%

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?

$123,060

Median Household Income

+1% vs state

$50,002

Per Capita Income

4.6%

Poverty Rate

7.3%

Unemployment Rate

31.6 min

Mean Commute Time

How ZIP 07721 ranks nationally

Cliffwood, NJ household income vs. every US ZIP code

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

$123,060 Top 9% higher than 91% 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%). This entry sits in this band. $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 75.8%
Bachelor's Degree or Higher 53.7%

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

What does housing look like?

1,603

Total Housing Units

1,603

Occupied Units

0

Vacant Units

2.65

Avg Household Size

Occupancy Type

Owner 58.8%
Renter 41.2%

$424,700

Median Home Value

-18% vs state

$1,862

Median Rent

1987

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

-2.6%

YoY Change (2024)

296

HPI Index (2000 = 100)

+196%

Total Change Since 2000

Home values in ZIP 07721 have decreased 2.6% over the past year (2024). Since 2000, this ZIP has seen +196% cumulative appreciation.

Year Annual Change HPI Index
2020 -1.5% 196
2021 +17.1% 230
2022 +13.3% 261
2023 +16.8% 304
2024 -2.6% 296

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 64 business establishments in ZIP 07721, employing approximately 558 people with a combined annual payroll of $25,902,000.

64

Businesses

558

Employees

$25.9M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Construction 13 20.3%
Health care and social assistance 7 10.9%
Other services (except public administration) 7 10.9%
Accommodation and food services 6 9.4%
Retail trade 5 7.8%
Professional, scientific, and technical services 5 7.8%
Manufacturing 4 6.3%
Real estate and rental and leasing 4 6.3%
Administrative and support and waste management and remediation services 4 6.3%
Transportation and warehousing 3 4.7%

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 07721 vs 07747 →

ZIP 07721 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 07721 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 07721 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 07721 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
07747 Matawan, NJ 30,770 1.8 mi
07735 Keyport, NJ 19,569 1.9 mi
07730 Hazlet, NJ 17,396 3.2 mi
08879 South Amboy, NJ 23,537 3.0 mi
10307 Staten Island, NY 14,096 5.0 mi
08859 Parlin, NJ 21,526 4.0 mi
07751 Morganville, NJ 19,736 5.2 mi
07734 Keansburg, NJ 13,269 5.3 mi
10309 Staten Island, NY 32,519 6.6 mi
07733 Holmdel, NJ 16,849 5.3 mi

More ZIP Codes in Monmouth County

07728 standard
Freehold, NJ
Pop: 56,257
07726 standard
Englishtown, NJ
Pop: 42,508
07712 standard
Asbury Park, NJ
Pop: 39,158
07731 standard
Howell, NJ
Pop: 38,304
07753 standard
Neptune, NJ
Pop: 37,554
07740 standard
Long Branch, NJ
Pop: 31,038

Related Areas

Monmouth County Cliffwood, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 07721 in? ▼
ZIP code 07721 (Cliffwood) is located in Monmouth County, New Jersey. Monmouth County contains multiple ZIP codes, see the full list at /counties/monmouth-nj.
What is the population of ZIP code 07721? ▼
ZIP code 07721 in Cliffwood, NJ has a population of 2,974 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07721? ▼
The median household income in ZIP 07721 is $123,060, which is 61% above the national average of $76,288.
What is the average home value in ZIP 07721? ▼
The median home value in ZIP 07721 is $424,700, which is 53% above the national average of $278,155.
What is the demographic makeup of ZIP 07721? ▼
The largest racial group in ZIP 07721 is White at 38.3%. Hispanic or Latino residents make up 17.8% of the population.
How many businesses are in ZIP code 07721? ▼
ZIP code 07721 has 64 business establishments employing approximately 558 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07721? ▼
The top industries by establishment count in ZIP 07721 are: Construction (13), Health care and social assistance (7), Other services (except public administration) (7). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 07721? ▼
According to the FHFA House Price Index, home values in ZIP 07721 decreased by 2.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 196%. 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 07721? ▼
In ZIP code 07721, 75.8% of residents aged 25+ have a high school diploma or higher, and 53.7% 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 07721? ▼
The mean commute time for workers in ZIP code 07721 is 31.6 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 07721? ▼
In ZIP code 07721, approximately 58.8% of occupied housing units are owner-occupied and 41.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07721? ▼
The poverty rate in ZIP code 07721 is 4.6% 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.