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 High-density area
- $123,060
- Median income Above-median income area
- $424,700
- Median home value Above-median home value
- 53.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 07721 (Cliffwood, NJ) fell -2.6% from 2023 to 2024. The all-transactions index moved from 304.3 in 2023 to 296.4 in 2024 (2000 = 100).
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 average New Jersey ZIP), while per-capita income is $50,002. The poverty rate is 4.6%, with unemployment at 7.3%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $424,700 (18% below the average New Jersey ZIP), and median rent is $1,862; owner occupancy is 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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Monmouth County, so 07721 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 07721
Top 5 sectors by establishment count in Cliffwood, NJ
Which industries have the most business establishments in ZIP 07721.
- Construction
Construction
13 establishments
- Health care and social assistance
Health care and social assistance
7 establishments
- Other services (except public administration)
Other services (except public administration)
7 establishments
- Accommodation and food services
Accommodation and food services
6 establishments
- Retail trade 5
Retail trade
5 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 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
Who lives in ZIP 07721?
30.9
Median Age
52.9%
Male
47.1%
Female
19.2%
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?
$123,060
Median Household Income
+1% vs state ZIP avg
$50,002
Per Capita Income
4.6%
Poverty Rate
7.3%
Unemployment Rate
31.6 min
Mean Commute Time
How ZIP 07721 ranks among New Jersey ZIPs
Cliffwood, 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)
$123,060 Top 39% higher than 61% 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
1,603housing units
1,603
Total Housing Units
1,603
Occupied Units
0
Vacant Units
2.65
Avg Household Size
Occupancy Type
$424,700
Median Home Value
-18% vs state ZIP avg
$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.
- 10309
Staten Island (10309)
32,519 residents
- 07747
Matawan (07747)
30,770 residents
- 08879
South Amboy (08879)
23,537 residents
- 08859
Parlin (08859)
21,526 residents
- 07751
Morganville (07751)
19,736 residents
- 07735
Keyport (07735)
19,569 residents
- 07730
Hazlet (07730)
17,396 residents
- 07733
Holmdel (07733)
16,849 residents
- 10307
Staten Island (10307)
14,096 residents
What this shows Among its immediate neighbors, ZIP 07721 ranks #0 by population - useful context the national average alone can't give.
ZIP 07721 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07751
Morganville (07751)
$181,205 median income
- 07733
Holmdel (07733)
$166,849 median income
- 10307
Staten Island (10307)
$147,184 median income
- 07730
Hazlet (07730)
$125,338 median income
- 07747
Matawan (07747)
$124,383 median income
- 07721
Cliffwood (07721)
$123,060 median income
- 10309
Staten Island (10309)
$116,098 median income
- 08859
Parlin (08859)
$99,882 median income
- 07735
Keyport (07735)
$97,536 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 07721, 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 (2,974 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Monmouth County
Related Areas
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.
Related
Take this with you
What to do with ZIP 07721's numbers, next.
- See how ZIP 07721 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cliffwood, 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.