PlainZIP

Freehold, NJ · standard

ZIP Code 07728

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

56,257
447/sq mi
$114,072
Median income
$505,400
Median home value
46.0%
Bachelor's or higher

The verdict

Freehold pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated and unusually populous area.

Top 12%
household income, US ZIPs
Top 13%
home value, US ZIPs
447
people per sq mi
79%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07728 against every reporting US ZIP.

ZIP code 07728 is a densely settled ZIP (a standard USPS delivery area) in Freehold, Monmouth County, New Jersey, with 56,257 residents across 125.9 square miles, a density of 447 people per square mile, in the New York time zone.

ZIP 07728 skews affluent, with a median household income of $114,072 (6% below the New Jersey average), while per-capita income is $55,568. Local economic indicators show a 7.2% poverty rate alongside 4.4% unemployment. Median home value sits at $505,400 (2% below the state average), median rent at $1,955 a month, and owner-occupancy at 78.6%.

A solid share of residents have a four-year degree: 46.0% of adults hold a bachelor's degree or higher, the median age is 41.7, and the average commute is 30 minutes. To put 07728 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 07728

Top 5 sectors by establishment count in Freehold, NJ

Which industries have the most business establishments in ZIP 07728.

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 07728, Freehold, 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

56,257

Population

125.9

Area (sq mi)

447

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 07728?

41.7

Median Age

47.9%

Male

52.1%

Female

15.1%

Foreign-Born

White 73.5%
African American 4.2%
Asian 5.6%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.7%
Hispanic or Latino 19.3%

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?

$114,072

Median Household Income

-6% vs state

$55,568

Per Capita Income

7.2%

Poverty Rate

4.4%

Unemployment Rate

29.5 min

Mean Commute Time

How ZIP 07728 ranks nationally

Freehold, NJ household income vs. every US ZIP code

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

$114,072 Top 12% higher than 88% 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 70.2%
Bachelor's Degree or Higher 46.0%

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

What does housing look like?

21,162

Total Housing Units

20,519

Occupied Units

643

Vacant Units

2.67

Avg Household Size

Occupancy Type

Owner 78.6%
Renter 21.4%

$505,400

Median Home Value

-2% vs state

$1,955

Median Rent

1981

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

+6.8%

YoY Change (2024)

273

HPI Index (2000 = 100)

+173%

Total Change Since 2000

Home values in ZIP 07728 have increased 6.8% over the past year (2024). Since 2000, this ZIP has seen +173% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.4% 178
2021 +11.7% 199
2022 +14.2% 228
2023 +12.3% 256
2024 +6.8% 273

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 1,841 business establishments in ZIP 07728, employing approximately 24,183 people with a combined annual payroll of $1,279,158,000.

1,841

Businesses

24,183

Employees

$1.3B

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Retail trade 287 15.6%
Health care and social assistance 276 15.0%
Professional, scientific, and technical services 235 12.8%
Construction 185 10.1%
Other services (except public administration) 166 9.0%
Accommodation and food services 156 8.5%
Administrative and support and waste management and remediation services 130 7.1%
Finance and insurance 98 5.3%
Wholesale trade 82 4.5%
Real estate and rental and leasing 51 2.8%
Transportation and warehousing 36 2.0%
Arts, entertainment, and recreation 36 2.0%
Information 35 1.9%
Manufacturing 33 1.8%
Educational services 25 1.4%
Management of companies and enterprises 7 0.4%
Utilities 3 0.2%

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 07728 vs 07726 →

ZIP 07728 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 07728 ranks #2 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 07728 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 07728 ranks #9 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
07726 Englishtown, NJ 42,508 5.0 mi
07746 Marlboro, NJ 18,666 6.7 mi
07727 Farmingdale, NJ 7,050 6.9 mi
07731 Howell, NJ 38,304 6.9 mi
07751 Morganville, NJ 19,736 9.6 mi
08510 Millstone Township, NJ 5,231 7.6 mi
07722 Colts Neck, NJ 10,209 7.4 mi
08527 Jackson, NJ 54,392 9.0 mi
08701 Lakewood, NJ 92,843 11.2 mi
08831 Monroe Township, NJ 45,620 10.3 mi

More ZIP Codes in Monmouth County

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
07747 standard
Matawan, NJ
Pop: 30,770

Related Areas

Monmouth County Freehold, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 07728 in? ▼
ZIP code 07728 (Freehold) 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 07728? ▼
ZIP code 07728 in Freehold, NJ has a population of 56,257 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07728? ▼
The median household income in ZIP 07728 is $114,072, which is 50% above the national average of $76,288.
What is the average home value in ZIP 07728? ▼
The median home value in ZIP 07728 is $505,400, which is 82% above the national average of $278,155.
What is the demographic makeup of ZIP 07728? ▼
The largest racial group in ZIP 07728 is White at 73.5%. Hispanic or Latino residents make up 19.3% of the population.
How many businesses are in ZIP code 07728? ▼
ZIP code 07728 has 1,841 business establishments employing approximately 24,183 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07728? ▼
The top industries by establishment count in ZIP 07728 are: Retail trade (287), Health care and social assistance (276), Professional, scientific, and technical services (235). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 07728? ▼
According to the FHFA House Price Index, home values in ZIP 07728 increased by 6.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 173%. 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 07728? ▼
In ZIP code 07728, 70.2% of residents aged 25+ have a high school diploma or higher, and 46.0% 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 07728? ▼
The mean commute time for workers in ZIP code 07728 is 29.5 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 07728? ▼
In ZIP code 07728, approximately 78.6% of occupied housing units are owner-occupied and 21.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07728? ▼
The poverty rate in ZIP code 07728 is 7.2% 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.