PlainZIP

Highlands, NJ · standard

ZIP Code 07732

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

5,189
524/sq mi
$91,875
Median income
$455,000
Median home value
51.5%
Bachelor's or higher

The verdict

Highlands pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 25%
household income, US ZIPs
Top 16%
home value, US ZIPs
524
people per sq mi
61%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07732 against every reporting US ZIP.

ZIP code 07732 is a mid-sized community (a standard USPS delivery area) in Highlands, Monmouth County, New Jersey, home to 5,189 residents across 9.9 square miles, a density of 524 people per square mile, in the New York time zone.

ZIP 07732 lands in the middle-income range, with a median household income of $91,875 (25% below the New Jersey average), while per-capita income is $68,985. Local economic indicators show a 10.1% poverty rate alongside 7.3% unemployment. Housing costs here run $455,000 for a typical home value (12% below the state average), with rent averaging $1,654 a month; 60.9% of homes are owner-occupied.

This is a highly-educated ZIP: 51.5% of adults hold a bachelor's degree or higher, the median age is 46.8, and the average commute is 35 minutes. To put 07732 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 07732

Top 5 sectors by establishment count in Highlands, NJ

Which industries have the most business establishments in ZIP 07732.

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 07732, Highlands, 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

5,189

Population

9.9

Area (sq mi)

524

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 07732?

46.8

Median Age

49.9%

Male

50.1%

Female

11.6%

Foreign-Born

White 82.0%
African American 9.2%
Asian 0.8%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 7.2%
Hispanic or Latino 7.8%

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?

$91,875

Median Household Income

-25% vs state

$68,985

Per Capita Income

10.1%

Poverty Rate

7.3%

Unemployment Rate

35.3 min

Mean Commute Time

How ZIP 07732 ranks nationally

Highlands, NJ household income vs. every US ZIP code

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

$91,875 Top 25% higher than 75% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 75.1%
Bachelor's Degree or Higher 51.5%

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

What does housing look like?

2,812

Total Housing Units

2,451

Occupied Units

361

Vacant Units

1.84

Avg Household Size

Occupancy Type

Owner 60.9%
Renter 39.1%

$455,000

Median Home Value

-12% vs state

$1,654

Median Rent

1975

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

+7.7%

YoY Change (2024)

472

HPI Index (2000 = 100)

+372%

Total Change Since 2000

Home values in ZIP 07732 have increased 7.7% over the past year (2024). Since 2000, this ZIP has seen +372% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.2% 268
2021 +16.3% 312
2022 +17.9% 368
2023 +19.2% 438
2024 +7.7% 472

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 103 business establishments in ZIP 07732, employing approximately 637 people with a combined annual payroll of $28,958,000.

103

Businesses

637

Employees

$29.0M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Retail trade 17 16.5%
Accommodation and food services 16 15.5%
Professional, scientific, and technical services 15 14.6%
Other services (except public administration) 11 10.7%
Construction 9 8.7%
Administrative and support and waste management and remediation services 7 6.8%
Transportation and warehousing 6 5.8%
Arts, entertainment, and recreation 6 5.8%
Health care and social assistance 5 4.8%
Real estate and rental and leasing 3 2.9%

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 07732 vs 07716 →

ZIP 07732 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 07732 ranks #8 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 07732 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 07732 ranks #null 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
07716 Atlantic Highlands, NJ 8,574 2.9 mi
07760 Rumson, NJ 9,283 4.4 mi
07737 Leonardo, NJ 4,264 4.1 mi
07750 Monmouth Beach, NJ 3,279 6.6 mi
07718 Belford, NJ 6,263 5.0 mi
07758 Port Monmouth, NJ 4,967 5.9 mi
07704 Fair Haven, NJ 6,133 5.4 mi
07740 Long Branch, NJ 31,038 9.4 mi
07739 Little Silver, NJ 5,938 7.0 mi
07757 Oceanport, NJ 5,356 8.1 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
07731 standard
Howell, NJ
Pop: 38,304
07753 standard
Neptune, NJ
Pop: 37,554
07740 standard
Long Branch, NJ
Pop: 31,038

Related Areas

Monmouth County Highlands, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 07732 in? ▼
ZIP code 07732 (Highlands) 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 07732? ▼
ZIP code 07732 in Highlands, NJ has a population of 5,189 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07732? ▼
The median household income in ZIP 07732 is $91,875, which is 20% above the national average of $76,288.
What is the average home value in ZIP 07732? ▼
The median home value in ZIP 07732 is $455,000, which is 64% above the national average of $278,155.
What is the demographic makeup of ZIP 07732? ▼
The largest racial group in ZIP 07732 is White at 82.0%. Hispanic or Latino residents make up 7.8% of the population.
How many businesses are in ZIP code 07732? ▼
ZIP code 07732 has 103 business establishments employing approximately 637 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07732? ▼
The top industries by establishment count in ZIP 07732 are: Retail trade (17), Accommodation and food services (16), Professional, scientific, and technical services (15). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 07732? ▼
According to the FHFA House Price Index, home values in ZIP 07732 increased by 7.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 372%. 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 07732? ▼
In ZIP code 07732, 75.1% of residents aged 25+ have a high school diploma or higher, and 51.5% 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 07732? ▼
The mean commute time for workers in ZIP code 07732 is 35.3 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 07732? ▼
In ZIP code 07732, approximately 60.9% of occupied housing units are owner-occupied and 39.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07732? ▼
The poverty rate in ZIP code 07732 is 10.1% 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.