07732 ZIP Code — Highlands, NJ

Monmouth County, New Jersey

ZIP code 07732 is located in Highlands, New Jersey, within Monmouth County. It covers approximately 3.77 square miles and serves a population of 4,740 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 732.

About ZIP code 07732

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $398,200. Owner-occupancy sits near the national average at 67%.

The gap between median ($87,039) 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. 40% 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. An above-average commute of 38 minutes suggests many residents work outside the immediate area.

Educational attainment is high — 50% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 07732 reflects a community defined by a highly educated population and a significant Social Security-dependent population.

4,740

population

3.77

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

07732 ZIP code map

Cities in ZIP code 07732

Below are the cities the US Postal Service accepts for ZIP code 07732. Using any city not on this list may result in mail delivery delays.

City	Status
Highlands	Acceptable
Highlands	Preferred

Nearby ZIP codes

07716 Atlantic Highlands (3.4 mi) 07737 Leonardo (4 mi) 07760 Rumson (4.2 mi) 07718 Belford (5 mi) 07704 Fair Haven (5.4 mi) 07758 Port Monmouth (5.9 mi) 07799 Eatontown (6.4 mi) 07750 Monmouth Beach (6.6 mi) 07748 Middletown (6.6 mi) 07701 Red Bank (6.7 mi) 07739 Little Silver (6.9 mi) 07734 Keansburg (7.6 mi)

Demographics updated 05/2026

Population
Total population	4,740
Population density	1,257 / sq mi
State FIPS	34
County FIPS	025

Geography
Land area	3.77 sq mi
Water area	2.20 sq mi
Latitude	40.4295
Longitude	-73.9899
Timezone	Eastern (ET)
Area code	732

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.7%	24.4%	30.2%
$50k – $100k	32.3%	24.0%	26.7%
$100k – $200k	19.3%	31.1%	28.3%
Over $200k	14.7%	20.5%	14.8%

Demographics & statistics

4,740

Population

1,257

People per sq mi

46.9

Median age

$87,039

Median household income

$72,384

Per capita income

$398,200

Median home value

$1,725

Median monthly rent

67.2%

Home ownership

6.0%

Poverty rate

6.3%

Unemployment

2,132

Housing units

50.2%

Bachelor's or higher

Age distribution

Male Female

123

Under 5

105

142

5–9

121

10–14

15–19

20–24

483

25–34

413

279

35–44

239

316

45–54

270

222

55–59

191

293

60–64

251

255

65–74

219

264

75–84

227

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	685	14.5%
18 and over	4,055	85.5%
65 and over	992	20.9%
Median age	46.9 years

Race & ethnicity

White 84.1%

Asian 7.2%

Two or more races 5.9%

Hispanic or Latino 2.1%

Black or African American 0.7%

Group	Count	%
White	4,071	84.1%
Asian	349	7.2%
Two or more races	286	5.9%
Hispanic or Latino	100	2.1%
Black or African American	34	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.7%	24.4%	30.2%
$50k – $100k	32.3%	24.0%	26.7%
$100k – $200k	19.3%	31.1%	28.3%
Over $200k	14.7%	20.5%	14.8%

Under $10k 6.6%

$10k–$15k 1.6%

$15k–$25k 3.8%

$25k–$35k 8.3%

$35k–$50k 7.1%

$50k–$75k 11.2%

$75k–$100k 14.9%

$100k–$150k 16.9%

$150k–$200k 10.7%

$200k+ 18.8%

Range	% of households
Under $10k	6.6%
$10k–$15k	1.6%
$15k–$25k	3.8%
$25k–$35k	8.3%
$35k–$50k	7.1%
$50k–$75k	11.2%
$75k–$100k	14.9%
$100k–$150k	16.9%
$150k–$200k	10.7%
$200k+	18.8%
Median income	$87,039

Housing

Home values

Under $50k 1.5%

$50k–$100k 1.2%

$100k–$150k 2.3%

$150k–$200k 1.6%

$200k–$300k 13.1%

$300k–$500k 50.7%

$500k–$1M 26.7%

$1M+ 2.8%

Housing overview

Metric	Value
Median home value	$398,200
Median rent / month	$1,725
Owner occupied	67.2%
Renter occupied	32.8%
Vacant	14.4%
Single-family detached	38.9%
Large apartment buildings	14.6%
Mobile homes	2.0%
Median rooms	4.6
Avg household size (owned)	1.96

Year built

Era	%
2020 or later	0.5%
2010–2019	7.2%
2000–2009	4.9%
1990–1999	3.1%
1980–1989	16.7%
1970–1979	25.2%
1960–1969	5.3%
1950–1959	5.4%
1940–1949	4.3%
1939 or earlier	27.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	29.9%
2 bedrooms	34.2%
3 bedrooms	24.4%
4 bedrooms	9.4%
5+ bedrooms	2.1%

Vehicles per household

Vehicles	% of households
No vehicle	5.6%
1 vehicle	47.0%
2 vehicles	41.1%
3 or more	6.2%

Heating fuel

Fuel type	%
Utility gas	65.8%
Electricity	31.8%
Propane / LP gas	2.4%

Households & families

Household type	Count	%
Married-couple family	921	36.3%
Cohabiting couple	156	6.2%
Male householder, no spouse	866	34.1%
Female householder, no spouse	593	23.4%
Households with children under 18	457	18.0%
Households with seniors (65+)	878	34.6%
Average household size	1.87

Marital status

Status	Male	Female
Never married	44.0%	21.8%
Married	41.6%	56.7%
Separated	0.0%	0.0%
Widowed	3.9%	6.3%
Divorced	10.5%	15.2%

Education

Less than 9th grade 1.6%

Some HS, no diploma 7.1%

HS graduate 16.6%

Some college, no degree 15.2%

Associate's degree 9.3%

Bachelor's degree 26.4%

Graduate / professional 23.8%

Metric	%
HS diploma or higher	91.2%
Bachelor's or higher	50.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	107	16.2%
Kindergarten	19	2.9%
Elementary school	327	49.6%
High school	100	15.2%
College / grad school	106	16.1%

Employment

Industry of employment

Education & healthcare 21.7%

Professional & management 19.3%

Arts, food & hospitality 16.9%

Retail trade 10.1%

Finance & real estate 6.4%

Construction 6.1%

Information 5.8%

Public administration 4.1%

Other services 3.6%

Manufacturing 2.4%

Transportation & utilities 1.6%

Agriculture & mining 1.4%

Wholesale trade 0.5%

Occupation

Category	%
Management, business & arts	53.7%
Service	18.5%
Sales & office	19.1%
Natural resources & construction	5.5%
Production & transportation	3.3%

Employment type

Type	%
Private sector	80.2%
Government	12.0%
Self-employed	7.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	64.4%
Carpool	0.9%
Public transit	10.2%
Walk	1.4%
Work from home	18.3%
Other means	4.7%
Avg commute (minutes)	37.5

Poverty

All people 6.0%

Under 18 years 0.0%

18 and over 7.0%

Married-couple families 2.5%

Female-led households 0.0%

Income support

Source	% of households
Social Security	40.0%
Retirement income	24.2%
Supplemental Security	7.0%
Cash public assistance	0.0%
Food stamps / SNAP	6.9%

Health indicators

Condition	%
Obesity	23.4%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	8.4%
Heart disease	5.6%
Stroke	2.5%
Asthma	9.6%
Arthritis	21.6%
Kidney disease	2.4%
Pulmonary disease	6.0%
Cancer	6.4%

Behavior / access	%
Smoking	14.2%
Binge drinking	20.3%
No physical activity	19.6%
Less than 7 hrs sleep	35.5%
Depression	19.4%
Fair or poor health	11.1%
Poor mental health	14.6%
Poor physical health	9.0%
No health insurance	11.5%
Visited doctor (checkup)	73.0%
Visited dentist	67.4%
Cholesterol screening	0.0%
Teeth loss	9.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	227	5.7%

Disability	%
Any disability	14.9%
Under 18	2.5%
18–64 years	14.5%
65 and over	24.5%

Health insurance coverage

Type	%
Private insurance	80.9%
Public insurance	34.1%
No insurance	5.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,512	95.2%
Spanish	159	3.5%
Other Indo-European	80	1.8%
Asian & Pacific Islander	10	0.2%
Other languages	57	1.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,052	85.5%
Born in same state	4,014	84.7%
Born in different state	2,729	57.6%
Foreign born	38	0.8%
Naturalized citizen	688	14.5%
Not a US citizen	377	54.8%

Ancestry

Ancestry	Count	%
Italian	860	18.1%
French	491	10.4%
Arab	90	1.9%

Ancestry	Count	%
Irish	79	1.7%
English	43	0.9%
Polish	38	0.8%

Technology access

Metric	% of households
Computer access	53.5%
Internet access	95.7%

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

Frequently asked questions about ZIP code 07732

What city is ZIP code 07732 in?

ZIP code 07732 is primarily assigned to Highlands, New Jersey.

What county is ZIP code 07732 in?

ZIP code 07732 falls within Monmouth County, New Jersey.

How educated is the population of ZIP code 07732?

50% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 07732 have a large retiree population?

40% of households in ZIP code 07732 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 07732?

The median home value in ZIP code 07732 is $398,200.

What is the population of ZIP code 07732?

ZIP code 07732 has an estimated population of 4,740 residents, with a density of 1,256 people per square mile.

What timezone is ZIP code 07732 in?

ZIP code 07732 observes the EST timezone.