PlainZIP

Lincroft, NJ · standard

ZIP Code 07738

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

6,095
444/sq mi
$189,000
Median income
$807,300
Median home value
65.2%
Bachelor's or higher

The verdict

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

Top 1%
household income, US ZIPs
Top 4%
home value, US ZIPs
444
people per sq mi
89%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07738 against every reporting US ZIP.

ZIP code 07738 is a mid-sized community (a standard USPS delivery area) in Lincroft, Monmouth County, New Jersey, home to 6,095 residents across 13.7 square miles, a density of 444 people per square mile, in the New York time zone.

ZIP 07738 skews affluent, with a median household income of $189,000 (55% above the New Jersey average), while per-capita income is $81,491. The poverty rate stands at 2.0% and the unemployment rate at 5.2%. On housing, the median home value is $807,300 (56% above the state average) with median rent at $685 per month, and 88.5% of occupied units are owner-occupied.

This is a highly-educated ZIP: 65.2% of adults hold a bachelor's degree or higher, the median age is 42.9, and the average commute is -. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Monmouth County, letting you compare 07738 to its immediate surroundings rather than a national baseline alone.

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 07738

Top 5 sectors by establishment count in Lincroft, NJ

Which industries have the most business establishments in ZIP 07738.

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 07738, Lincroft, 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

6,095

Population

13.7

Area (sq mi)

444

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 07738?

42.9

Median Age

48.9%

Male

51.1%

Female

10.2%

Foreign-Born

White 82.9%
African American 1.5%
Asian 5.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.1%
Hispanic or Latino 8.2%

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?

$189,000

Median Household Income

+55% vs state

$81,491

Per Capita Income

2.0%

Poverty Rate

5.2%

Unemployment Rate

How ZIP 07738 ranks nationally

Lincroft, NJ household income vs. every US ZIP code

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

$189,000 Top 1% higher than 99% 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%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). Below this entry. $180,000–$200,000: 186 US ZIPs (1%). This entry sits in this band. $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 82.3%
Bachelor's Degree or Higher 65.2%

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

What does housing look like?

2,498

Total Housing Units

2,498

Occupied Units

0

Vacant Units

2.74

Avg Household Size

Occupancy Type

Owner 88.5%
Renter 11.5%

$807,300

Median Home Value

+56% vs state

$685

Median Rent

1970

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

+12.9%

YoY Change (2024)

276

HPI Index (2000 = 100)

+176%

Total Change Since 2000

Home values in ZIP 07738 have increased 12.9% over the past year (2024). Since 2000, this ZIP has seen +176% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.6% 187
2021 +8.8% 204
2022 +11.6% 227
2023 +7.3% 244
2024 +12.9% 276

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 193 business establishments in ZIP 07738, employing approximately 2,008 people with a combined annual payroll of $111,263,000.

193

Businesses

2,008

Employees

$111.3M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 32 16.6%
Other services (except public administration) 30 15.5%
Professional, scientific, and technical services 19 9.8%
Accommodation and food services 19 9.8%
Construction 18 9.3%
Administrative and support and waste management and remediation services 18 9.3%
Retail trade 15 7.8%
Finance and insurance 11 5.7%
Real estate and rental and leasing 8 4.2%
Educational services 8 4.2%
Transportation and warehousing 4 2.1%
Information 3 1.6%

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 07738 vs 07748 →

ZIP 07738 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 07738 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 07738 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 07738 ranks #4 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
07748 Middletown, NJ 28,030 4.0 mi
07701 Red Bank, NJ 23,813 3.1 mi
07702 Shrewsbury, NJ 3,809 3.7 mi
07733 Holmdel, NJ 16,849 3.6 mi
07724 Eatontown, NJ 21,710 3.9 mi
07722 Colts Neck, NJ 10,209 4.3 mi
07739 Little Silver, NJ 5,938 4.9 mi
07703 Fort Monmouth, NJ 690 4.8 mi
07704 Fair Haven, NJ 6,133 4.9 mi
07734 Keansburg, NJ 13,269 7.3 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 Lincroft, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 07738 in? ▼
ZIP code 07738 (Lincroft) 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 07738? ▼
ZIP code 07738 in Lincroft, NJ has a population of 6,095 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07738? ▼
The median household income in ZIP 07738 is $189,000, which is 148% above the national average of $76,288.
What is the average home value in ZIP 07738? ▼
The median home value in ZIP 07738 is $807,300, which is 190% above the national average of $278,155.
What is the demographic makeup of ZIP 07738? ▼
The largest racial group in ZIP 07738 is White at 82.9%. Hispanic or Latino residents make up 8.2% of the population.
How many businesses are in ZIP code 07738? ▼
ZIP code 07738 has 193 business establishments employing approximately 2,008 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07738? ▼
The top industries by establishment count in ZIP 07738 are: Health care and social assistance (32), Other services (except public administration) (30), Professional, scientific, and technical services (19). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 07738? ▼
According to the FHFA House Price Index, home values in ZIP 07738 increased by 12.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 176%. 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 07738? ▼
In ZIP code 07738, 82.3% of residents aged 25+ have a high school diploma or higher, and 65.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 07738? ▼
In ZIP code 07738, approximately 88.5% of occupied housing units are owner-occupied and 11.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07738? ▼
The poverty rate in ZIP code 07738 is 2.0% 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.