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 High-density area
- $134,056
- Median income Above-median income area
- $494,600
- Median home value Above-median home value
- 44.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 07731 (Howell, NJ) rose +7.5% from 2023 to 2024. The all-transactions index moved from 290.9 in 2023 to 312.7 in 2024 (2000 = 100).
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 average New Jersey ZIP), while per-capita income is $50,266. The poverty rate is 8.1%, with unemployment at 4.8%; those measures add context to the income figure. Median home value is $494,600 (4% below the average New Jersey ZIP) and median rent is $2,570; 88.3% of occupied 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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Monmouth County, so 07731 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 07731
Top 5 sectors by establishment count in Howell, NJ
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 + 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
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 ZIP avg
$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
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
13,998housing units
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 ZIP avg
$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.
- 08701
Lakewood (08701)
92,843 residents
- 07728
Freehold (07728)
56,257 residents
- 08724
Brick (08724)
42,352 residents
- 07731
Howell (07731)
38,304 residents
- 08755 25,302
Toms River (08755)
25,302 residents
- 07719 21,538
Belmar (07719)
21,538 residents
- 08736 12,578
Manasquan (08736)
12,578 residents
- 07722 10,209
Colts Neck (07722)
10,209 residents
- 07727 7,050
Farmingdale (07727)
7,050 residents
What this shows Among its immediate neighbors, ZIP 07731 ranks #4 by population - useful context the national average alone can't give.
ZIP 07731 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 08720
Allenwood (08720)
$224,671 median income
- 07722
Colts Neck (07722)
$198,994 median income
- 08736
Manasquan (08736)
$174,097 median income
- 08730
Brielle (08730)
$172,250 median income
- 07731
Howell (07731)
$134,056 median income
- 07727
Farmingdale (07727)
$129,931 median income
- 07719
Belmar (07719)
$119,828 median income
- 07728
Freehold (07728)
$114,072 median income
- 08724
Brick (08724)
$103,127 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 07731, 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 (38,304 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 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.
Related
Take this with you
What to do with ZIP 07731's numbers, next.
- See how ZIP 07731 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Howell, NJ ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.