Residential delivery area · New Jersey
ZIP Code 07731: Howell, NJ
ZIP code 07731 uses the postal name Howell, New Jersey and lies entirely in Monmouth County (Census 2020 ZIP-county file). About 40,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $134,056 (Census Bureau, ACS 2020-2024). By Census place, 7% of its land lies in Ramtown (a census-designated place); 93% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Howell · its only residential ZIP
- County
- Monmouth County
- Census places
- Ramtown census-designated place
- Metro area
- New York-Newark-Jersey City, NY-NJ
- House district
- NJ-4 119th Congress
- State
- New Jersey
- Time zone
- Eastern
- Land area
- 31.8 sq mi · 1,269 people per sq mi
Where is ZIP code 07731?
07731 centers on 40.150°, -74.204° and covers 31.8 square miles of land plus 0.7 of water. It borders 6 ZIP codes: 08720, 07727, 08701, 08724, 07728, 08527.
The map draws ZIP code areas only. For the streets inside 07731, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 07731 compare with the rest of Monmouth County?
| Measure | 07731 | In Monmouth County | In NJ |
|---|---|---|---|
| People (ACS 2020-2024) | 40,322 | 4th of 52 | 54th of 598 |
| Median household income | $134k | 16th of 40 | 146th of 476 |
| Median home value | $495k | 39th of 48 | 214th of 515 |
Its median household income is higher than in 94% of U.S. residential ZIP codes, and it is denser than 80% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 07731?
The 2020 Census counted 39,677 people in 07731; the ACS, which samples households over 2020-2024, estimates 40,322. Between the 2010 and 2020 censuses its population grew 3.6% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 40,322
- 2020 Census count
- 39,677+3.6% since 2010 (38,304)
- Households
- 13,657
- Median age
- 38.4
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 07731?
Of the 40,322 people the ACS estimates in 07731, 24.5% are under 18 and 14.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (71.2%), then Hispanic or Latino (17.6%).
- Under 1824.5%
- 18 to 6461.1%
- 65 and older14.4%
- White, not Hispanic71.2%
- Hispanic or Latino17.6%
- Black, not Hispanic4.4%
- Other or two or more3.7%
- Asian, not Hispanic3.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 07731 earn?
Median household income is $134,056 (ACS 2020-2024), the 16th highest of the 40 ranked ZIP codes in Monmouth County. It is not measurably different from 2015-2019 ($134,176 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $134,056
- Income per person
- $50,266
- Below the poverty line
- 8.1%
- Unemployed (of the labor force)
- 4.8%
- Adults 25+ with a bachelor's degree
- 44.0%
- Adjusted gross income per tax return, 2022
- $94,04819,810 returns; wages 76% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 07731?
FHFA's house price index for 07731, built from repeat sales and appraisals of the same homes, rose 109% from 2015 to 2025 and rose 77% from 2020 to 2025, and moved +8.2% in 2025.
- Median home value (owners' estimate)
- $494,600
- Median gross rent
- $2,570
- Homes owned by their occupants
- 88.3%
- Housing units
- 13,998
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 07731?
964 business establishments had a location in this ZIP code in 2023, 57 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade164
- Construction134
- Health care and social assistance129
- Other services (except public administration)101
- Accommodation and food services83
- Professional, scientific, and technical services80
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 07731?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 08720 | Allenwood | 735 | $225k | 4.2 mi |
| 07727 | Farmingdale | 7,787 | $130k | 4.6 mi |
| 08701 | Lakewood | 139,149 | $65k | 5.0 mi |
| 08724 | Brick | 42,345 | $103k | 6.2 mi |
| 07728 | Freehold | 55,984 | $114k | 6.8 mi |
| 08527 | Jackson | 58,991 | $116k | 8.6 mi |
| 07719 | Belmar | 22,138 | $120k | 7.0 mi (near) |
| 07753 | Neptune | 37,297 | $96k | 8.0 mi (near) |
| 08730 | Brielle | 4,956 | $172k | 8.0 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.