PlainZIP

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
$103,320
Median income
$457,700
Median home value
43.9%
Bachelor's or higher

The verdict

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.

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 New Jersey average), while per-capita income is $54,664. 4.9% of residents live below the poverty line, and the unemployment rate reads 5.3%. Housing costs here run $457,700 for a typical home value (11% below the state average), with rent averaging $1,587 a month; 55.3% of 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. To put 07828 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Morris County, for a geography-aware comparison.

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.

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 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

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 07828?

37.4

Median Age

49.8%

Male

50.2%

Female

23.0%

Foreign-Born

White 63.2%
African American 11.6%
Asian 8.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.1%
Hispanic or Latino 19.7%

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

$54,664

Per Capita Income

4.9%

Poverty Rate

5.3%

Unemployment Rate

30.4 min

Mean Commute Time

How ZIP 07828 ranks nationally

Budd Lake, NJ household income vs. every US ZIP code

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

$103,320 Top 17% higher than 83% 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%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $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 71.4%
Bachelor's Degree or Higher 43.9%

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

What does housing look like?

6,071

Total Housing Units

6,005

Occupied Units

66

Vacant Units

2.57

Avg Household Size

Occupancy Type

Owner 55.3%
Renter 44.7%

$457,700

Median Home Value

-11% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 07828 ranks #2 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 07828 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 07828 ranks #8 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
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

More ZIP Codes in Morris County

07960 standard
Morristown, NJ
Pop: 43,747
07054 standard
Parsippany, NJ
Pop: 29,305
07801 standard
Dover, NJ
Pop: 25,386
07869 standard
Randolph, NJ
Pop: 25,291
07866 standard
Rockaway, NJ
Pop: 22,098
07950 standard
Morris Plains, NJ
Pop: 19,564

Related Areas

Morris County Budd Lake, NJ New Jersey

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.

Read our methodology to see how this data is sourced, computed, and verified.