Residential delivery area · New Jersey
ZIP Code 07738: Lincroft, NJ
ZIP code 07738 is in Lincroft, New Jersey, entirely in Monmouth County (Census 2020 ZIP-county file). About 6,900 people live there (Census Bureau, ACS 2020-2024). Median household income is $189,000 (Census Bureau, ACS 2020-2024).
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Lincroft · its only residential ZIP
- County
- Monmouth County
- Census places
- Lincroft census-designated place
- Metro area
- New York-Newark-Jersey City, NY-NJ
- House district
- NJ-4 119th Congress
- State
- New Jersey
- Time zone
- Eastern
- Land area
- 5.6 sq mi · 1,233 people per sq mi
Where is ZIP code 07738?
07738 centers on 40.335°, -74.133° and covers 5.6 square miles of land plus 0.2 of water. It borders 5 ZIP codes: 07701, 07733, 07722, 07724, 07748.
The map draws ZIP code areas only. For the streets inside 07738, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 07738 compare with the rest of Monmouth County?
| Measure | 07738 | In Monmouth County | In NJ |
|---|---|---|---|
| People (ACS 2020-2024) | 6,939 | 27th of 52 | 379th of 598 |
| Median household income | $189k | 6th of 40 | 46th of 476 |
| Median home value | $807k | 15th of 48 | 62nd of 515 |
Its median household income is higher than in 99% of U.S. residential ZIP codes, and it is denser than 80% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 07738?
The 2020 Census counted 7,084 people in 07738; the ACS, which samples households over 2020-2024, estimates 6,939. Between the 2010 and 2020 censuses its population grew 16.2% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 6,939
- 2020 Census count
- 7,084+16.2% since 2010 (6,095)
- Households
- 2,498
- Median age
- 42.9
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 07738?
Of the 6,939 people the ACS estimates in 07738, 27.0% are under 18 and 16.0% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (80.1%).
- Under 1827.0%
- 18 to 6457.1%
- 65 and older16.0%
- White, not Hispanic80.1%
- Hispanic or Latino8.2%
- Asian, not Hispanic5.7%
- Other or two or more4.5%
- Black, not Hispanic1.5%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 07738 earn?
Median household income is $189,000 (ACS 2020-2024), the 6th highest of the 40 ranked ZIP codes in Monmouth County. It is not measurably different from 2015-2019 ($187,186 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $189,000±$30,358
- Income per person
- $81,491
- Below the poverty line
- 2.0%
- Unemployed (of the labor force)
- 5.2%
- Adults 25+ with a bachelor's degree
- 65.2%
- Adjusted gross income per tax return, 2022
- $211,3993,530 returns; wages 64% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 07738?
FHFA's house price index for 07738, built from repeat sales and appraisals of the same homes, rose 77% from 2015 to 2025 and rose 58% from 2020 to 2025, and moved +5.4% in 2025.
- Median home value (owners' estimate)
- $807,300
- Median gross rent
- $685
- Homes owned by their occupants
- 88.5%
- Housing units
- 2,498
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 07738?
193 business establishments had a location in this ZIP code in 2023, 16 more than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance32
- Other services (except public administration)30
- Professional, scientific, and technical services19
- Accommodation and food services19
- Construction18
- Administrative and support and waste management and remediation services18
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 07738?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 07701 | Red Bank | 24,376 | $112k | 3.3 mi |
| 07733 | Holmdel | 17,166 | $167k | 3.5 mi |
| 07722 | Colts Neck | 9,990 | $199k | 3.7 mi |
| 07724 | Eatontown | 24,016 | $103k | 4.0 mi |
| 07748 | Middletown | 28,633 | $153k | 4.3 mi |
| 07702 | Shrewsbury | 4,179 | $179k | 4.0 mi (near) |
| 07703 | Fort Monmouth | 0 | – | 4.8 mi (near) |
| 07739 | Little Silver | 6,105 | $241k | 5.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.