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 High-density area
- $91,875
- Median income Above-median income area
- $455,000
- Median home value Above-median home value
- 51.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 07732 (Highlands, NJ) rose +7.7% from 2023 to 2024. The all-transactions index moved from 438.2 in 2023 to 472.1 in 2024 (2000 = 100).
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 average New Jersey ZIP), while per-capita income is $68,985. The poverty rate is 10.1%, with unemployment at 7.3%; those measures add context to the income figure. Median home value is $455,000 (12% below the average New Jersey ZIP) and median rent is $1,654; 60.9% of occupied 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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Monmouth County, so 07732 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 07732
Top 5 sectors by establishment count in Highlands, NJ
Which industries have the most business establishments in ZIP 07732.
- Retail trade
Retail trade
17 establishments
- Accommodation and food services
Accommodation and food services
16 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
15 establishments
- Other services (except public administration)
Other services (except public administration)
11 establishments
- Construction
Construction
9 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 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
Who lives in ZIP 07732?
46.8
Median Age
49.9%
Male
50.1%
Female
11.6%
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?
$91,875
Median Household Income
-25% vs state ZIP avg
$68,985
Per Capita Income
10.1%
Poverty Rate
7.3%
Unemployment Rate
35.3 min
Mean Commute Time
How ZIP 07732 ranks among New Jersey ZIPs
Highlands, NJ household income vs. every New Jersey ZIP code
Median household income among 565 reporting New Jersey ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$91,875 25th percentile higher than 25% of 565 New Jersey ZIPs
Each bar is a $20K-wide band; taller bars hold more New Jersey 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
2,812housing units
2,812
Total Housing Units
2,451
Occupied Units
361
Vacant Units
1.84
Avg Household Size
Occupancy Type
$455,000
Median Home Value
-12% vs state ZIP avg
$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.
- 07740
Long Branch (07740)
31,038 residents
- 07760 9,283
Rumson (07760)
9,283 residents
- 07716 8,574
Atlantic Highlands (07716)
8,574 residents
- 07718 6,263
Belford (07718)
6,263 residents
- 07704 6,133
Fair Haven (07704)
6,133 residents
- 07739 5,938
Little Silver (07739)
5,938 residents
- 07757 5,356
Oceanport (07757)
5,356 residents
- 07732 5,189
Highlands (07732)
5,189 residents
- 07758 4,967
Port Monmouth (07758)
4,967 residents
What this shows Among its immediate neighbors, ZIP 07732 ranks #8 by population - useful context the national average alone can't give.
ZIP 07732 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07704
Fair Haven (07704)
$250,000 median income
- 07739
Little Silver (07739)
$240,853 median income
- 07760
Rumson (07760)
$226,635 median income
- 07750
Monmouth Beach (07750)
$150,188 median income
- 07737
Leonardo (07737)
$139,318 median income
- 07718
Belford (07718)
$131,531 median income
- 07716
Atlantic Highlands (07716)
$126,591 median income
- 07757
Oceanport (07757)
$126,094 median income
- 07758
Port Monmouth (07758)
$115,298 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 07732, 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 (5,189 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 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.
Related
Take this with you
What to do with ZIP 07732's numbers, next.
- See how ZIP 07732 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Highlands, NJ ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.