PlainZIP

Middletown, NJ · standard

ZIP Code 07748

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

28,030
809/sq mi
$152,981
Median income
$600,600
Median home value
52.3%
Bachelor's or higher

The verdict

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

Top 4%
household income, US ZIPs
Top 9%
home value, US ZIPs
809
people per sq mi
87%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07748 against every reporting US ZIP.

ZIP code 07748 is a densely settled ZIP (a standard USPS delivery area) in Middletown, Monmouth County, New Jersey, with 28,030 residents across 34.6 square miles, a density of 809 people per square mile, in the New York time zone.

ZIP 07748 skews affluent, with a median household income of $152,981 (25% above the New Jersey average), while per-capita income is $69,360. 5.3% of residents live below the poverty line, and the unemployment rate reads 5.6%. The typical home here is valued at $600,600 (16% above the state average); renters pay a median of $1,536 monthly, and 86.8% of units are owner-occupied.

This is a highly-educated ZIP: 52.3% of adults hold a bachelor's degree or higher, the median age is 42.6, and the average commute is 34 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Monmouth County, so you can benchmark 07748 against its immediate geography rather than a national average 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 07748

Top 5 sectors by establishment count in Middletown, NJ

Which industries have the most business establishments in ZIP 07748.

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 07748, Middletown, 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

28,030

Population

34.6

Area (sq mi)

809

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 07748?

42.6

Median Age

51.6%

Male

48.4%

Female

7.2%

Foreign-Born

White 83.2%
African American 1.4%
Asian 2.2%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.6%
Hispanic or Latino 11.5%

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?

$152,981

Median Household Income

+25% vs state

$69,360

Per Capita Income

5.3%

Poverty Rate

5.6%

Unemployment Rate

34.1 min

Mean Commute Time

How ZIP 07748 ranks nationally

Middletown, NJ household income vs. every US ZIP code

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

$152,981 Top 4% higher than 96% 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%). This entry sits in this band. $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 73.5%
Bachelor's Degree or Higher 52.3%

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

What does housing look like?

10,459

Total Housing Units

10,278

Occupied Units

181

Vacant Units

2.78

Avg Household Size

Occupancy Type

Owner 86.8%
Renter 13.2%

$600,600

Median Home Value

+16% vs state

$1,536

Median Rent

1969

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

+6.5%

YoY Change (2024)

268

HPI Index (2000 = 100)

+168%

Total Change Since 2000

Home values in ZIP 07748 have increased 6.5% over the past year (2024). Since 2000, this ZIP has seen +168% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.4% 179
2021 +11.8% 200
2022 +12.3% 225
2023 +12.0% 251
2024 +6.5% 268

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 562 business establishments in ZIP 07748, employing approximately 8,817 people with a combined annual payroll of $728,909,000.

562

Businesses

8,817

Employees

$728.9M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 77 13.7%
Retail trade 71 12.6%
Other services (except public administration) 68 12.1%
Health care and social assistance 66 11.7%
Construction 63 11.2%
Accommodation and food services 51 9.1%
Finance and insurance 38 6.8%
Information 26 4.6%
Administrative and support and waste management and remediation services 25 4.5%
Arts, entertainment, and recreation 21 3.7%
Real estate and rental and leasing 16 2.9%
Wholesale trade 12 2.1%
Manufacturing 10 1.8%
Transportation and warehousing 9 1.6%
Educational services 7 1.3%

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 07748 vs 07758 →

ZIP 07748 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 07748 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 07748 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 07748 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
07758 Port Monmouth, NJ 4,967 2.6 mi
07718 Belford, NJ 6,263 2.4 mi
07737 Leonardo, NJ 4,264 2.9 mi
07734 Keansburg, NJ 13,269 3.5 mi
07738 Lincroft, NJ 6,095 4.0 mi
07701 Red Bank, NJ 23,813 3.0 mi
07733 Holmdel, NJ 16,849 3.2 mi
07730 Hazlet, NJ 17,396 3.8 mi
07716 Atlantic Highlands, NJ 8,574 4.5 mi
07704 Fair Haven, NJ 6,133 4.6 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 Middletown, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 07748 in? ▼
ZIP code 07748 (Middletown) 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 07748? ▼
ZIP code 07748 in Middletown, NJ has a population of 28,030 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07748? ▼
The median household income in ZIP 07748 is $152,981, which is 101% above the national average of $76,288.
What is the average home value in ZIP 07748? ▼
The median home value in ZIP 07748 is $600,600, which is 116% above the national average of $278,155.
What is the demographic makeup of ZIP 07748? ▼
The largest racial group in ZIP 07748 is White at 83.2%. Hispanic or Latino residents make up 11.5% of the population.
How many businesses are in ZIP code 07748? ▼
ZIP code 07748 has 562 business establishments employing approximately 8,817 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07748? ▼
The top industries by establishment count in ZIP 07748 are: Professional, scientific, and technical services (77), Retail trade (71), Other services (except public administration) (68). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 07748? ▼
According to the FHFA House Price Index, home values in ZIP 07748 increased by 6.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 168%. 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 07748? ▼
In ZIP code 07748, 73.5% of residents aged 25+ have a high school diploma or higher, and 52.3% 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 07748? ▼
The mean commute time for workers in ZIP code 07748 is 34.1 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 07748? ▼
In ZIP code 07748, approximately 86.8% of occupied housing units are owner-occupied and 13.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07748? ▼
The poverty rate in ZIP code 07748 is 5.3% 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.