PlainZIP

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
$220,982
Median income
$1,024,100
Median home value
82.1%
Bachelor's or higher

The verdict

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.

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 New Jersey average), while per-capita income is $108,065. Poverty here runs at 2.1%, with unemployment measured at 5.3%. The typical home here is valued at $1,024,100 (98% above the state average); renters pay a median of $2,535 monthly, and 83.3% of units are owner-occupied.

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. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Morris County, so you can benchmark 07928 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 07928

Top 5 sectors by establishment count in Chatham, NJ

Which industries have the most business establishments in ZIP 07928.

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 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

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 07928?

39.8

Median Age

50.2%

Male

49.8%

Female

14.6%

Foreign-Born

White 76.9%
African American 0.6%
Asian 14.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.6%
Hispanic or Latino 5.0%

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

$108,065

Per Capita Income

2.1%

Poverty Rate

5.3%

Unemployment Rate

35.2 min

Mean Commute Time

How ZIP 07928 ranks nationally

Chatham, NJ household income vs. every US ZIP code

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

$220,982 Top 1% higher than 99% 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%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). Below this entry. $180,000–$200,000: 186 US ZIPs (1%). Below this entry. $200,000–$220,000: 324 US ZIPs (1%). This entry sits in this band. 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 89.9%
Bachelor's Degree or Higher 82.1%

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

What does housing look like?

6,909

Total Housing Units

6,752

Occupied Units

157

Vacant Units

2.93

Avg Household Size

Occupancy Type

Owner 83.3%
Renter 16.7%

$1,024,100

Median Home Value

+98% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 07928 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 07928 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 07928 ranks #3 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
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

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 Chatham, NJ New Jersey

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.

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