Chatham, NJ · standard
ZIP Code 07928
Morris County, New Jersey - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 19,144
- 856/sq mi High-density area
- $220,982
- Median income Above-median income area
- $1,024,100
- Median home value Above-median home value
- 82.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Chatham 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 2%
- home value, US ZIPs
- 856
- people per sq mi
- 83%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 07928 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 07928 (Chatham, NJ) rose +3.9% from 2023 to 2024. The all-transactions index moved from 258.9 in 2023 to 269.0 in 2024 (2000 = 100).
ZIP code 07928 is a mid-sized community (a standard USPS delivery area) in Chatham, Morris County, New Jersey, home to 19,144 residents across 22.4 square miles, a density of 856 people per square mile, in the New York time zone.
ZIP 07928 skews affluent, with a median household income of $220,982 (81% above the average New Jersey ZIP), while per-capita income is $108,065. The poverty rate is 2.1%, with unemployment at 5.3%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $1,024,100 (98% above the average New Jersey ZIP), while 83.3% of occupied homes are owner-occupied and median rent is $2,535.
This is a highly-educated ZIP: 82.1% of adults hold a bachelor's degree or higher, the median age is 39.8, and the average commute is 35 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Morris County, so 07928 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 07928
Top 5 sectors by establishment count in Chatham, NJ
Which industries have the most business establishments in ZIP 07928.
- Professional, scientific, and technical services
Professional, scientific, and technical services
92 establishments
- Health care and social assistance
Health care and social assistance
71 establishments
- Other services (except public administration)
Other services (except public administration)
50 establishments
- Retail trade
Retail trade
48 establishments
- Finance and insurance
Finance and insurance
48 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 07928, Chatham, 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
19,144
Population
22.4
Area (sq mi)
856
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 07928?
39.8
Median Age
50.2%
Male
49.8%
Female
14.6%
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?
$220,982
Median Household Income
+81% vs state ZIP avg
$108,065
Per Capita Income
2.1%
Poverty Rate
5.3%
Unemployment Rate
35.2 min
Mean Commute Time
How ZIP 07928 ranks among New Jersey ZIPs
Chatham, 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)
$220,982 Top 6% higher than 94% 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
6,909housing units
6,909
Total Housing Units
6,752
Occupied Units
157
Vacant Units
2.93
Avg Household Size
Occupancy Type
$1,024,100
Median Home Value
+98% vs state ZIP avg
$2,535
Median Rent
1963
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
+3.9%
YoY Change (2024)
269
HPI Index (2000 = 100)
+169%
Total Change Since 2000
Home values in ZIP 07928 have increased 3.9% over the past year (2024). Since 2000, this ZIP has seen +169% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -0.1% | 198 |
| 2021 | +4.8% | 208 |
| 2022 | +8.2% | 225 |
| 2023 | +15.2% | 259 |
| 2024 | +3.9% | 269 |
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 527 business establishments in ZIP 07928, employing approximately 4,637 people with a combined annual payroll of $393,009,000.
527
Businesses
4,637
Employees
$393.0M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 92 | 17.5% |
| Health care and social assistance | 71 | 13.5% |
| Other services (except public administration) | 50 | 9.5% |
| Retail trade | 48 | 9.1% |
| Finance and insurance | 48 | 9.1% |
| Accommodation and food services | 36 | 6.8% |
| Administrative and support and waste management and remediation services | 35 | 6.6% |
| Construction | 33 | 6.3% |
| Real estate and rental and leasing | 33 | 6.3% |
| Educational services | 21 | 4.0% |
| Wholesale trade | 14 | 2.7% |
| Transportation and warehousing | 12 | 2.3% |
| Information | 12 | 2.3% |
| Arts, entertainment, and recreation | 11 | 2.1% |
| Manufacturing | 9 | 1.7% |
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 07928 vs 07974 →
ZIP 07928 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07901
Summit (07901)
22,806 residents
- 07928
Chatham (07928)
19,144 residents
- 07940
Madison (07940)
17,278 residents
- 07078
Short Hills (07078)
13,250 residents
- 07922
Berkeley Heights (07922)
12,246 residents
- 07974
New Providence (07974)
11,768 residents
- 07932
Florham Park (07932)
9,868 residents
- 07933 3,251
Gillette (07933)
3,251 residents
- 07976 754
New Vernon (07976)
754 residents
What this shows Among its immediate neighbors, ZIP 07928 ranks #2 by population - useful context the national average alone can't give.
ZIP 07928 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 07078
Short Hills (07078)
$250,000 median income
- 07976
New Vernon (07976)
$247,697 median income
- 07928
Chatham (07928)
$220,982 median income
- 07922
Berkeley Heights (07922)
$202,944 median income
- 07901
Summit (07901)
$179,701 median income
- 07974
New Providence (07974)
$172,894 median income
- 07940
Madison (07940)
$172,708 median income
- 07932
Florham Park (07932)
$156,458 median income
- 07935
Green Village (07935)
$106,979 median income
What this shows By household income, ZIP 07928 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 07974 | New Providence, NJ | 11,768 | 2.1 mi |
| 07940 | Madison, NJ | 17,278 | 2.3 mi |
| 07935 | Green Village, NJ | 313 | 1.8 mi |
| 07901 | Summit, NJ | 22,806 | 2.6 mi |
| 07922 | Berkeley Heights, NJ | 12,246 | 3.6 mi |
| 07932 | Florham Park, NJ | 9,868 | 3.7 mi |
| 07961 | Convent Station, NJ | 4 | 3.9 mi |
| 07976 | New Vernon, NJ | 754 | 3.9 mi |
| 07933 | Gillette, NJ | 3,251 | 3.6 mi |
| 07078 | Short Hills, NJ | 13,250 | 4.3 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 07928, 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 (19,144 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 07928 in?
ZIP code 07928 (Chatham) 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 07928?
ZIP code 07928 in Chatham, NJ has a population of 19,144 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 07928?
The median household income in ZIP 07928 is $220,982, which is 190% above the national average of $76,288.
What is the average home value in ZIP 07928?
The median home value in ZIP 07928 is $1,024,100, which is 268% above the national average of $278,155.
What is the demographic makeup of ZIP 07928?
The largest racial group in ZIP 07928 is White at 76.9%. Hispanic or Latino residents make up 5.0% of the population.
How many businesses are in ZIP code 07928?
ZIP code 07928 has 527 business establishments employing approximately 4,637 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 07928?
The top industries by establishment count in ZIP 07928 are: Professional, scientific, and technical services (92), Health care and social assistance (71), Other services (except public administration) (50). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 07928?
According to the FHFA House Price Index, home values in ZIP 07928 increased by 3.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 169%. 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 07928?
In ZIP code 07928, 89.9% of residents aged 25+ have a high school diploma or higher, and 82.1% 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 07928?
The mean commute time for workers in ZIP code 07928 is 35.2 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 07928?
In ZIP code 07928, approximately 83.3% of occupied housing units are owner-occupied and 16.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 07928?
The poverty rate in ZIP code 07928 is 2.1% 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 07928's numbers, next.
- See how ZIP 07928 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Chatham, 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.