07728 ZIP Code — Freehold, NJ

Monmouth County, New Jersey

ZIP code 07728 is located in Freehold, New Jersey, within Monmouth County. It covers approximately 49.61 square miles and serves a population of 56,896 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 732/908/848.

About ZIP code 07728

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $454,400. Owner-occupancy is high at 77%, well above the national average.

The gap between median ($104,417) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 6% is below the national average. 36% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 33 minutes is near the national average.

Educational attainment is high — 46% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 07728 reflects a community defined by high homeownership and a significant Social Security-dependent population.

56,896

population

49.61

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

07728 ZIP code map

Cities in ZIP code 07728

Below are the cities the US Postal Service accepts for ZIP code 07728. Using any city not on this list may result in mail delivery delays.

City	Status
Freehold	Acceptable
Freehold	Preferred

Nearby ZIP codes

07726 Englishtown (4.8 mi) 07746 Marlboro (6.1 mi) 07727 Farmingdale (6.5 mi) 08535 Millstone Township (7.7 mi) 08510 Millstone Township (7.8 mi) 07731 Howell (7.9 mi) 07722 Colts Neck (8 mi) 07751 Morganville (9.1 mi) 08527 Jackson (9.4 mi) 08831 Monroe Township (9.5 mi) 08857 Old Bridge (11.2 mi) 08520 Hightstown (11.7 mi)

Demographics updated 05/2026

Population
Total population	56,896
Population density	1,147 / sq mi
State FIPS	34
County FIPS	025

Geography
Land area	49.61 sq mi
Water area	0.30 sq mi
Latitude	40.2302
Longitude	-74.2954
Timezone	Eastern (ET)
Area code	732/908/848

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.9%	24.4%	30.2%
$50k – $100k	24.3%	24.0%	26.7%
$100k – $200k	28.0%	31.1%	28.3%
Over $200k	19.9%	20.5%	14.8%

Demographics & statistics

56,896

Population

1,147

People per sq mi

42.1

Median age

$104,417

Median household income

$51,633

Per capita income

$454,400

Median home value

$1,768

Median monthly rent

77.4%

Home ownership

6.4%

Poverty rate

4.8%

Unemployment

16,813

Housing units

46.1%

Bachelor's or higher

Age distribution

Male Female

999

Under 5

1,057

1,946

5–9

2,059

2,033

10–14

2,151

1,926

15–19

2,039

1,805

20–24

1,910

2,628

25–34

2,780

3,521

35–44

3,726

3,659

45–54

3,872

2,305

55–59

2,440

1,898

60–64

2,008

2,670

65–74

2,825

1,630

75–84

1,725

624

85+

660

← Male

Female →

Age summary

Group	Count	%
Under 18	12,798	22.5%
18 and over	44,098	77.5%
65 and over	10,134	17.8%
Median age	42.1 years

Race & ethnicity

White 69.4%

Hispanic or Latino 8.2%

Asian 5.9%

Two or more races 5.4%

Black or African American 5.3%

Other race 4.5%

American Indian / Alaska Native 1.3%

Group	Count	%
White	43,026	69.4%
Hispanic or Latino	5,084	8.2%
Asian	3,639	5.9%
Two or more races	3,374	5.4%
Black or African American	3,268	5.3%
Other race	2,771	4.5%
American Indian / Alaska Native	818	1.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.9%	24.4%	30.2%
$50k – $100k	24.3%	24.0%	26.7%
$100k – $200k	28.0%	31.1%	28.3%
Over $200k	19.9%	20.5%	14.8%

Under $10k 2.8%

$10k–$15k 1.9%

$15k–$25k 5.4%

$25k–$35k 6.1%

$35k–$50k 9.9%

$50k–$75k 11.4%

$75k–$100k 10.6%

$100k–$150k 14.4%

$150k–$200k 12.8%

$200k+ 24.7%

Range	% of households
Under $10k	2.8%
$10k–$15k	1.9%
$15k–$25k	5.4%
$25k–$35k	6.1%
$35k–$50k	9.9%
$50k–$75k	11.4%
$75k–$100k	10.6%
$100k–$150k	14.4%
$150k–$200k	12.8%
$200k+	24.7%
Median income	$104,417

Housing

Home values

Under $50k 2.1%

$50k–$100k 1.7%

$100k–$150k 2.2%

$150k–$200k 2.8%

$200k–$300k 14.5%

$300k–$500k 33.4%

$500k–$1M 40.7%

$1M+ 2.6%

Housing overview

Metric	Value
Median home value	$454,400
Median rent / month	$1,768
Owner occupied	77.4%
Renter occupied	22.6%
Vacant	3.6%
Single-family detached	60.8%
Large apartment buildings	6.7%
Mobile homes	1.8%
Median rooms	6.4
Avg household size (owned)	2.78

Year built

Era	%
2020 or later	0.4%
2010–2019	2.8%
2000–2009	9.7%
1990–1999	18.1%
1980–1989	21.2%
1970–1979	16.3%
1960–1969	14.6%
1950–1959	6.9%
1940–1949	2.5%
1939 or earlier	7.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	10.2%
2 bedrooms	27.5%
3 bedrooms	24.4%
4 bedrooms	26.9%
5+ bedrooms	9.5%

Vehicles per household

Vehicles	% of households
No vehicle	10.6%
1 vehicle	26.5%
2 vehicles	40.1%
3 or more	22.8%

Heating fuel

Fuel type	%
Utility gas	78.1%
Electricity	14.3%
Propane / LP gas	2.1%
Fuel oil	4.1%
Wood	0.3%
Solar	0.2%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	11,569	55.8%
Cohabiting couple	1,159	5.6%
Male householder, no spouse	2,507	12.1%
Female householder, no spouse	5,503	26.5%
Households with children under 18	6,551	31.6%
Households with seniors (65+)	7,314	35.3%
Average household size	2.69

Marital status

Status	Male	Female
Never married	33.1%	29.0%
Married	57.0%	50.2%
Separated	1.6%	1.0%
Widowed	2.7%	11.1%
Divorced	5.6%	8.7%

Education

Less than 9th grade 4.0%

Some HS, no diploma 4.9%

HS graduate 21.7%

Some college, no degree 14.1%

Associate's degree 9.2%

Bachelor's degree 28.4%

Graduate / professional 17.7%

Metric	%
HS diploma or higher	91.1%
Bachelor's or higher	46.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	1,232	8.4%
Kindergarten	527	3.6%
Elementary school	6,610	44.9%
High school	3,306	22.4%
College / grad school	3,055	20.7%

Employment

Industry of employment

Education & healthcare 24.8%

Professional & management 14.6%

Retail trade 12.3%

Finance & real estate 8.3%

Arts, food & hospitality 7.9%

Public administration 6.9%

Manufacturing 6.2%

Construction 4.6%

Transportation & utilities 3.9%

Other services 3.7%

Wholesale trade 3.3%

Information 2.7%

Agriculture & mining 0.8%

Occupation

Category	%
Management, business & arts	47.5%
Service	16.9%
Sales & office	20.6%
Natural resources & construction	5.6%
Production & transportation	9.4%

Employment type

Type	%
Private sector	78.0%
Government	18.4%
Self-employed	3.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	65.9%
Carpool	9.6%
Public transit	5.8%
Walk	1.4%
Work from home	15.9%
Other means	1.4%
Avg commute (minutes)	33.4

Poverty

All people 6.4%

Under 18 years 7.4%

18 and over 6.1%

Married-couple families 3.2%

Female-led households 11.6%

Income support

Source	% of households
Social Security	35.6%
Retirement income	27.3%
Supplemental Security	4.1%
Cash public assistance	1.2%
Food stamps / SNAP	5.7%

Health indicators

Condition	%
Obesity	22.7%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	8.8%
Heart disease	5.6%
Stroke	2.6%
Asthma	9.2%
Arthritis	20.8%
Kidney disease	2.5%
Pulmonary disease	5.4%
Cancer	6.4%

Behavior / access	%
Smoking	12.8%
Binge drinking	19.1%
No physical activity	21.1%
Less than 7 hrs sleep	35.3%
Depression	17.6%
Fair or poor health	11.6%
Poor mental health	13.8%
Poor physical health	8.6%
No health insurance	14.2%
Visited doctor (checkup)	73.6%
Visited dentist	66.6%
Cholesterol screening	0.0%
Teeth loss	10.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,006	4.6%

Disability	%
Any disability	10.4%
Under 18	1.9%
18–64 years	7.3%
65 and over	31.8%

Health insurance coverage

Type	%
Private insurance	77.1%
Public insurance	27.5%
No insurance	7.7%
Uninsured under 19	9.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	54,840	96.4%
Spanish	4,786	8.7%
Other Indo-European	2,797	5.1%
Asian & Pacific Islander	980	1.8%
Other languages	839	1.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	47,306	83.1%
Born in same state	46,110	81.0%
Born in different state	29,286	51.5%
Foreign born	1,196	2.1%
Naturalized citizen	9,590	16.9%
Not a US citizen	5,748	59.9%

Ancestry

Ancestry	Count	%
Italian	9,110	16%
Arab	3,672	6.5%
French	3,066	5.4%
Irish	702	1.2%
English	401	0.7%

Ancestry	Count	%
Polish	205	0.4%
Norwegian	140	0.2%
German	86	0.2%
Dutch	60	0.1%

Technology access

Metric	% of households
Computer access	36.4%
Internet access	94.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 07728

What part of Freehold is ZIP code 07728?

ZIP code 07728 covers a portion of Freehold, New Jersey, within Monmouth County.

What county is ZIP code 07728 in?

ZIP code 07728 falls within Monmouth County, New Jersey.

How educated is the population of ZIP code 07728?

46% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 07728 have a large retiree population?

36% of households in ZIP code 07728 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 07728?

The median home value in ZIP code 07728 is $454,400.

What is the median household income in ZIP code 07728?

The median household income in ZIP code 07728 is $104,417, above the national median of ~$75,000.

What timezone is ZIP code 07728 in?

ZIP code 07728 observes the EST timezone.