PlainZIP

Howell, NJ · standard

ZIP Code 07731

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

38,304
445/sq mi
$134,056
Median income
$494,600
Median home value
44.0%
Bachelor's or higher

The verdict

Howell pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 6%
household income, US ZIPs
Top 13%
home value, US ZIPs
445
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07731 against every reporting US ZIP.

ZIP code 07731 is a densely settled ZIP (a standard USPS delivery area) in Howell, Monmouth County, New Jersey, with 38,304 residents across 86.1 square miles, a density of 445 people per square mile, in the New York time zone.

ZIP 07731 skews affluent, with a median household income of $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%. Housing costs here run $494,600 for a typical home value (4% below the state average), with rent averaging $2,570 a month; 88.3% of homes are owner-occupied.

A solid share of residents have a four-year degree: 44.0% of adults hold a bachelor's degree or higher, the median age is 38.4, and the average commute is 32 minutes. To put 07731 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 07731

Top 5 sectors by establishment count in Howell, NJ

Which industries have the most business establishments in ZIP 07731.

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 07731, Howell, 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

38,304

Population

86.1

Area (sq mi)

445

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 07731?

38.4

Median Age

51.5%

Male

48.5%

Female

14.5%

Foreign-Born

White 73.3%
African American 4.5%
Asian 3.2%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.0%
Hispanic or Latino 17.6%

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

How ZIP 07731 ranks nationally

Howell, NJ household income vs. every US ZIP code

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

$134,056 Top 6% higher than 94% 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 70.8%
Bachelor's Degree or Higher 44.0%

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

Owner 88.3%
Renter 11.7%

$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 07731 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 07731 ranks #4 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 07731 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 07731 ranks #5 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
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

07728 standard
Freehold, NJ
Pop: 56,257
07726 standard
Englishtown, NJ
Pop: 42,508
07712 standard
Asbury Park, NJ
Pop: 39,158
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 Howell, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 07731 in? ▼
ZIP code 07731 (Howell) 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 07731? ▼
ZIP code 07731 in Howell, NJ has a population of 38,304 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07731? ▼
The median household income in ZIP 07731 is $134,056, which is 76% above the national average of $76,288.
What is the average home value in ZIP 07731? ▼
The median home value in ZIP 07731 is $494,600, which is 78% above the national average of $278,155.
What is the demographic makeup of ZIP 07731? ▼
The largest racial group in ZIP 07731 is White at 73.3%. Hispanic or Latino residents make up 17.6% of the population.
How many businesses are in ZIP code 07731? ▼
ZIP code 07731 has 964 business establishments employing approximately 11,498 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07731? ▼
The top industries by establishment count in ZIP 07731 are: Retail trade (164), Construction (134), Health care and social assistance (129). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 07731? ▼
According to the FHFA House Price Index, home values in ZIP 07731 increased by 7.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 213%. 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 07731? ▼
In ZIP code 07731, 70.8% of residents aged 25+ have a high school diploma or higher, and 44.0% 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 07731? ▼
The mean commute time for workers in ZIP code 07731 is 31.5 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 07731? ▼
In ZIP code 07731, approximately 88.3% of occupied housing units are owner-occupied and 11.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07731? ▼
The poverty rate in ZIP code 07731 is 8.1% 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.