Budd Lake, NJ · standard
ZIP Code 07828
Morris County, New Jersey - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 14,150
- 383/sq mi High-density area
- $103,320
- Median income Above-median income area
- $457,700
- Median home value Above-median home value
- 43.9%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Budd Lake pairs an upper-quartile household income with upper-quartile home values, in a low-density, mixed-tenure area.
- Top 17%
- household income, US ZIPs
- Top 16%
- home value, US ZIPs
- 383
- people per sq mi
- 55%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07828 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 07828 (Budd Lake, NJ) rose +14.4% from 2023 to 2024. The all-transactions index moved from 223.2 in 2023 to 255.3 in 2024 (2000 = 100).
ZIP code 07828 is a mid-sized community (a standard USPS delivery area) in Budd Lake, Morris County, New Jersey, home to 14,150 residents across 36.9 square miles, a density of 383 people per square mile, in the New York time zone.
ZIP 07828 lands in the middle-income range, with a median household income of $103,320 (15% below the average New Jersey ZIP), while per-capita income is $54,664. The poverty rate is 4.9%, with unemployment at 5.3%; those measures add context to the income figure. Median home value is $457,700 (11% below the average New Jersey ZIP) and median rent is $1,587; 55.3% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 43.9% of adults hold a bachelor's degree or higher, the median age is 37.4, and the average commute is 30 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Morris County, so 07828 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 07828
Top 5 sectors by establishment count in Budd Lake, NJ
Which industries have the most business establishments in ZIP 07828.
- Professional, scientific, and technical services
Professional, scientific, and technical services
41 establishments
- Retail trade
Retail trade
35 establishments
- Health care and social assistance
Health care and social assistance
30 establishments
- Accommodation and food services
Accommodation and food services
30 establishments
- Other services (except public administration)
Other services (except public administration)
29 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 07828, Budd Lake, 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
14,150
Population
36.9
Area (sq mi)
383
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 07828?
37.4
Median Age
49.8%
Male
50.2%
Female
23.0%
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?
$103,320
Median Household Income
-15% vs state ZIP avg
$54,664
Per Capita Income
4.9%
Poverty Rate
5.3%
Unemployment Rate
30.4 min
Mean Commute Time
How ZIP 07828 ranks among New Jersey ZIPs
Budd Lake, 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)
$103,320 39th percentile higher than 39% 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
6,071housing units
6,071
Total Housing Units
6,005
Occupied Units
66
Vacant Units
2.57
Avg Household Size
Occupancy Type
$457,700
Median Home Value
-11% vs state ZIP avg
$1,587
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
+14.4%
YoY Change (2024)
255
HPI Index (2000 = 100)
+155%
Total Change Since 2000
Home values in ZIP 07828 have increased 14.4% over the past year (2024). Since 2000, this ZIP has seen +155% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.8% | 152 |
| 2021 | +11.9% | 170 |
| 2022 | +20.8% | 206 |
| 2023 | +8.4% | 223 |
| 2024 | +14.4% | 255 |
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 275 business establishments in ZIP 07828, employing approximately 4,146 people with a combined annual payroll of $294,414,000.
275
Businesses
4,146
Employees
$294.4M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 41 | 14.9% |
| Retail trade | 35 | 12.7% |
| Health care and social assistance | 30 | 10.9% |
| Accommodation and food services | 30 | 10.9% |
| Other services (except public administration) | 29 | 10.6% |
| Construction | 26 | 9.4% |
| Wholesale trade | 16 | 5.8% |
| Transportation and warehousing | 15 | 5.5% |
| Administrative and support and waste management and remediation services | 13 | 4.7% |
| Manufacturing | 11 | 4.0% |
| Real estate and rental and leasing | 10 | 3.6% |
| Finance and insurance | 5 | 1.8% |
| Information | 4 | 1.4% |
| Management of companies and enterprises | 3 | 1.1% |
| Arts, entertainment, and recreation | 3 | 1.1% |
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 07828 vs 07874 →
ZIP 07828 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07840
Hackettstown (07840)
29,849 residents
- 07828
Budd Lake (07828)
14,150 residents
- 07836
Flanders (07836)
12,568 residents
- 07876 10,619
Succasunna (07876)
10,619 residents
- 07821 9,193
Andover (07821)
9,193 residents
- 07874 8,905
Stanhope (07874)
8,905 residents
- 07850 6,436
Landing (07850)
6,436 residents
- 07852 3,609
Ledgewood (07852)
3,609 residents
- 07857 3,244
Netcong (07857)
3,244 residents
What this shows Among its immediate neighbors, ZIP 07828 ranks #2 by population - useful context the national average alone can't give.
ZIP 07828 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07876
Succasunna (07876)
$161,304 median income
- 07836
Flanders (07836)
$151,915 median income
- 07821
Andover (07821)
$141,860 median income
- 07874
Stanhope (07874)
$132,500 median income
- 07852
Ledgewood (07852)
$119,539 median income
- 07850
Landing (07850)
$106,806 median income
- 07840
Hackettstown (07840)
$105,866 median income
- 07828
Budd Lake (07828)
$103,320 median income
- 07857
Netcong (07857)
$85,898 median income
What this shows By household income, ZIP 07828 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 07874 | Stanhope, NJ | 8,905 | 2.7 mi |
| 07857 | Netcong, NJ | 3,244 | 2.8 mi |
| 07821 | Andover, NJ | 9,193 | 5.5 mi |
| 07836 | Flanders, NJ | 12,568 | 3.7 mi |
| 07852 | Ledgewood, NJ | 3,609 | 4.6 mi |
| 07820 | Allamuchy, NJ | 39 | 4.3 mi |
| 07850 | Landing, NJ | 6,436 | 4.8 mi |
| 07840 | Hackettstown, NJ | 29,849 | 4.9 mi |
| 07847 | Kenvil, NJ | 1,670 | 6.6 mi |
| 07876 | Succasunna, NJ | 10,619 | 5.5 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 07828, 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 (14,150 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Morris County
Related Areas
Frequently Asked Questions
What county is ZIP code 07828 in?
ZIP code 07828 (Budd Lake) is located in Morris County, New Jersey. Morris County contains multiple ZIP codes, see the full list at /counties/morris-nj.
What is the population of ZIP code 07828?
ZIP code 07828 in Budd Lake, NJ has a population of 14,150 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07828?
The median household income in ZIP 07828 is $103,320, which is 35% above the national average of $76,288.
What is the average home value in ZIP 07828?
The median home value in ZIP 07828 is $457,700, which is 65% above the national average of $278,155.
What is the demographic makeup of ZIP 07828?
The largest racial group in ZIP 07828 is White at 63.2%. Hispanic or Latino residents make up 19.7% of the population.
How many businesses are in ZIP code 07828?
ZIP code 07828 has 275 business establishments employing approximately 4,146 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07828?
The top industries by establishment count in ZIP 07828 are: Professional, scientific, and technical services (41), Retail trade (35), Health care and social assistance (30). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 07828?
According to the FHFA House Price Index, home values in ZIP 07828 increased by 14.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 155%. 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 07828?
In ZIP code 07828, 71.4% of residents aged 25+ have a high school diploma or higher, and 43.9% 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 07828?
The mean commute time for workers in ZIP code 07828 is 30.4 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 07828?
In ZIP code 07828, approximately 55.3% of occupied housing units are owner-occupied and 44.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07828?
The poverty rate in ZIP code 07828 is 4.9% 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 07828's numbers, next.
- See how ZIP 07828 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Budd Lake, 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.