ZIP Code 07731
standardSource:
Howell · Monmouth County · New Jersey
- Population
- 38,304
- Median income
- $134,056
- Median home value
- $494,600
- Bachelor's or higher
- 44.0%
- Land area
- 86.1 sq mi
445/sq mi
▲ 76% vs US
higher than 94% of US ZIPs
▲ 78% vs US
higher than 87% of US ZIPs
Median age 38.4
New York
ZIP code 07731 in Howell, New Jersey has a population of 38,304. The median household income is $134,056, which is 76% above the national average. Median home value is $494,600, 78% above the US average. 44.0% of residents hold a bachelor's degree or higher.
ZIP code 07731 is classified by USPS as a standard delivery area and covers roughly 86.1 square miles in Howell, Monmouth County, New Jersey. The area is home to 38,304 residents, producing a population density of 445 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 07731 against New Jersey and the nation.
On the economic side, the median household income for ZIP 07731 sits at $134,056 (10% above the New Jersey average), while per-capita income is $50,266. The poverty rate stands at 8.1% and the unemployment rate at 4.8%. On housing, the median home value is $494,600 (4% below the state average) with median rent at $2,570 per month, and 88.3% of occupied units are owner-occupied, a direct signal of whether 07731 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 44.0% of adults hold a bachelor's degree or higher, the median age is 38.4, and the average commute is 32 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Monmouth County, so you can benchmark 07731 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 07731
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 07731.
- Retail trade
Retail trade
164 establishments
- Construction
Construction
134 establishments
- Health care and social assistance
Health care and social assistance
129 establishments
- Other services (except public administration)
Other services (except public administration)
101 establishments
- Accommodation and food services
Accommodation and food services
83 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 07731, Howell, NJ · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
38,304
Population
86.1
Area (sq mi)
445
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 07731?
38.4
Median Age
51.5%
Male
48.5%
Female
14.5%
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?
$134,056
Median Household Income
+10% vs state
$50,266
Per Capita Income
8.1%
Poverty Rate
4.8%
Unemployment Rate
31.5 min
Mean Commute Time
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?
13,998
Total Housing Units
13,657
Occupied Units
341
Vacant Units
2.95
Avg Household Size
Occupancy Type
$494,600
Median Home Value
-4% vs state
$2,570
Median Rent
1984
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
+7.5%
YoY Change (2024)
313
HPI Index (2000 = 100)
+213%
Total Change Since 2000
Home values in ZIP 07731 have increased 7.5% over the past year (2024). Since 2000, this ZIP has seen +213% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.7% | 192 |
| 2021 | +12.8% | 216 |
| 2022 | +18.3% | 256 |
| 2023 | +13.8% | 291 |
| 2024 | +7.5% | 313 |
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 964 business establishments in ZIP 07731, employing approximately 11,498 people with a combined annual payroll of $583,135,000.
964
Businesses
11,498
Employees
$583.1M
Annual Payroll
18
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 164 | 17.0% |
| Construction | 134 | 13.9% |
| Health care and social assistance | 129 | 13.4% |
| Other services (except public administration) | 101 | 10.5% |
| Accommodation and food services | 83 | 8.6% |
| Professional, scientific, and technical services | 80 | 8.3% |
| Administrative and support and waste management and remediation services | 70 | 7.3% |
| Finance and insurance | 40 | 4.2% |
| Transportation and warehousing | 35 | 3.6% |
| Real estate and rental and leasing | 33 | 3.4% |
| Wholesale trade | 26 | 2.7% |
| Educational services | 24 | 2.5% |
| Manufacturing | 14 | 1.4% |
| Arts, entertainment, and recreation | 13 | 1.4% |
| Information | 6 | 0.6% |
| Utilities | 5 | 0.5% |
| Agriculture, forestry, fishing and hunting | 3 | 0.3% |
| Management of companies and enterprises | 3 | 0.3% |
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 07731 vs 08701 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 08701 | Lakewood, NJ | 92,843 | 5.1 mi |
| 07727 | Farmingdale, NJ | 7,050 | 4.0 mi |
| 08720 | Allenwood, NJ | 843 | 5.3 mi |
| 08724 | Brick, NJ | 42,352 | 6.1 mi |
| 07719 | Belmar, NJ | 21,538 | 6.8 mi |
| 07728 | Freehold, NJ | 56,257 | 6.9 mi |
| 08736 | Manasquan, NJ | 12,578 | 7.3 mi |
| 08755 | Toms River, NJ | 25,302 | 9.8 mi |
| 07722 | Colts Neck, NJ | 10,209 | 9.5 mi |
| 08730 | Brielle, NJ | 4,774 | 7.8 mi |
More ZIP Codes in Monmouth County
Related Areas
Frequently Asked Questions
What county is ZIP code 07731 in? ▼
What is the population of ZIP code 07731? ▼
What is the median household income in ZIP 07731? ▼
What is the average home value in ZIP 07731? ▼
What is the demographic makeup of ZIP 07731? ▼
How many businesses are in ZIP code 07731? ▼
What are the main industries in ZIP code 07731? ▼
How have home values changed in ZIP code 07731? ▼
What is the education level in ZIP code 07731? ▼
What is the average commute time in ZIP 07731? ▼
What percentage of residents own vs. rent in ZIP 07731? ▼
What is the poverty rate in ZIP code 07731? ▼
ZIP Code Research Guides
Official Data Resources for Howell, NJ
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.