07731 ZIP Code — Howell, NJ

Monmouth County, New Jersey

ZIP code 07731 is located in Howell, New Jersey, within Monmouth County. It covers approximately 31.78 square miles and serves a population of 39,684 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 732/848.

About ZIP code 07731

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $418,700. Owner-occupancy is high at 90%, well above the national average.

Median household income is $129,501. The poverty rate of 6% is below the national average. 32% 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 34 minutes is near the national average.

Educational attainment is near the national average, with 41% of residents holding a bachelor's degree or higher.

Overall, ZIP code 07731 reflects a community defined by high homeownership and a significant Social Security-dependent population.

39,684

population

31.78

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

07731 ZIP code map

Cities in ZIP code 07731

Below are the cities the US Postal Service accepts for ZIP code 07731. Using any city not on this list may result in mail delivery delays.

City	Status
Howell	Acceptable
Howell	Preferred

Nearby ZIP codes

07727 Farmingdale (3.3 mi) 08724 Brick (5.5 mi) 08701 Lakewood (5.6 mi) 07719 Belmar (6 mi) 08736 Manasquan (6.5 mi) 08730 Brielle (7.1 mi) 07753 Neptune (7.4 mi) 08750 Sea Girt (7.5 mi) 07762 Spring Lake (7.7 mi) 07728 Freehold (7.9 mi) 08742 Point Pleasant Beach (8.1 mi) 08723 Brick (8.4 mi)

Demographics updated 05/2026

Population
Total population	39,684
Population density	1,249 / sq mi
State FIPS	34
County FIPS	025

Geography
Land area	31.78 sq mi
Water area	0.70 sq mi
Latitude	40.1522
Longitude	-74.1850
Timezone	Eastern (ET)
Area code	732/848

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	19.2%	24.4%	30.2%
$50k – $100k	22.3%	24.0%	26.7%
$100k – $200k	42.9%	31.1%	28.3%
Over $200k	15.7%	20.5%	14.8%

Demographics & statistics

39,684

Population

1,249

People per sq mi

38.6

Median age

$129,501

Median household income

$48,114

Per capita income

$418,700

Median home value

$2,164

Median monthly rent

90.0%

Home ownership

6.2%

Poverty rate

5.3%

Unemployment

12,343

Housing units

40.8%

Bachelor's or higher

Age distribution

Male Female

1,147

Under 5

1,101

1,226

5–9

1,176

1,392

10–14

1,336

1,662

15–19

1,595

1,281

20–24

1,229

2,368

25–34

2,272

2,377

35–44

2,281

3,320

45–54

3,186

1,372

55–59

1,317

1,377

60–64

1,321

1,790

65–74

1,717

676

75–84

649

263

85+

253

← Male

Female →

Age summary

Group	Count	%
Under 18	9,250	23.3%
18 and over	30,434	76.7%
65 and over	5,348	13.5%
Median age	38.6 years

Race & ethnicity

White 74.8%

Hispanic or Latino 8.3%

Two or more races 7.1%

Asian 3.5%

Other race 3.2%

Black or African American 3%

Group	Count	%
White	32,380	74.8%
Hispanic or Latino	3,601	8.3%
Two or more races	3,065	7.1%
Asian	1,531	3.5%
Other race	1,374	3.2%
Black or African American	1,316	3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	19.2%	24.4%	30.2%
$50k – $100k	22.3%	24.0%	26.7%
$100k – $200k	42.9%	31.1%	28.3%
Over $200k	15.7%	20.5%	14.8%

Under $10k 3.3%

$10k–$15k 2.7%

$15k–$25k 2.6%

$25k–$35k 4.0%

$35k–$50k 8.0%

$50k–$75k 7.7%

$75k–$100k 8.8%

$100k–$150k 22.8%

$150k–$200k 19.2%

$200k+ 20.9%

Range	% of households
Under $10k	3.3%
$10k–$15k	2.7%
$15k–$25k	2.6%
$25k–$35k	4.0%
$35k–$50k	8.0%
$50k–$75k	7.7%
$75k–$100k	8.8%
$100k–$150k	22.8%
$150k–$200k	19.2%
$200k+	20.9%
Median income	$129,501

Housing

Home values

Under $50k 2.9%

$50k–$100k 2.6%

$100k–$150k 0.7%

$150k–$200k 1.3%

$200k–$300k 12.1%

$300k–$500k 55.0%

$500k–$1M 24.6%

$1M+ 0.8%

Housing overview

Metric	Value
Median home value	$418,700
Median rent / month	$2,164
Owner occupied	90.0%
Renter occupied	10.0%
Vacant	2.8%
Single-family detached	82.5%
Large apartment buildings	1.9%
Mobile homes	4.7%
Median rooms	7.0
Avg household size (owned)	3.01

Year built

Era	%
2020 or later	0.0%
2010–2019	4.7%
2000–2009	7.4%
1990–1999	16.8%
1980–1989	30.8%
1970–1979	12.1%
1960–1969	16.5%
1950–1959	7.2%
1940–1949	1.6%
1939 or earlier	2.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	2.7%
2 bedrooms	15.2%
3 bedrooms	39.1%
4 bedrooms	37.6%
5+ bedrooms	4.8%

Vehicles per household

Vehicles	% of households
No vehicle	2.5%
1 vehicle	21.4%
2 vehicles	47.0%
3 or more	29.0%

Heating fuel

Fuel type	%
Utility gas	84.0%
Electricity	5.8%
Propane / LP gas	1.3%
Fuel oil	6.7%
Wood	0.7%
Solar	0.4%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	8,628	64.9%
Cohabiting couple	693	5.2%
Male householder, no spouse	1,671	12.6%
Female householder, no spouse	2,297	17.3%
Households with children under 18	5,255	39.5%
Households with seniors (65+)	3,930	29.6%
Average household size	2.98

Marital status

Status	Male	Female
Never married	35.0%	28.7%
Married	57.5%	54.1%
Separated	0.3%	0.4%
Widowed	2.0%	7.4%
Divorced	5.2%	9.4%

Education

Less than 9th grade 2.4%

Some HS, no diploma 3.4%

HS graduate 28.0%

Some college, no degree 17.3%

Associate's degree 8.0%

Bachelor's degree 26.2%

Graduate / professional 14.6%

Metric	%
HS diploma or higher	94.2%
Bachelor's or higher	40.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	743	6.9%
Kindergarten	548	5.1%
Elementary school	4,121	38.2%
High school	2,649	24.6%
College / grad school	2,718	25.2%

Employment

Industry of employment

Education & healthcare 26.5%

Retail trade 12.4%

Professional & management 10.3%

Arts, food & hospitality 9.9%

Construction 9.0%

Manufacturing 6.6%

Transportation & utilities 5.6%

Finance & real estate 5.5%

Public administration 4.9%

Information 3.3%

Other services 3.2%

Wholesale trade 2.6%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	44.9%
Service	15.4%
Sales & office	21.0%
Natural resources & construction	8.4%
Production & transportation	10.4%

Employment type

Type	%
Private sector	78.8%
Government	16.9%
Self-employed	4.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	74.9%
Carpool	7.9%
Public transit	2.4%
Walk	1.8%
Work from home	12.1%
Other means	1.0%
Avg commute (minutes)	34.3

Poverty

All people 6.2%

Under 18 years 5.3%

18 and over 6.5%

Married-couple families 2.3%

Female-led households 11.9%

Income support

Source	% of households
Social Security	31.5%
Retirement income	27.3%
Supplemental Security	3.4%
Cash public assistance	0.6%
Food stamps / SNAP	2.4%

Health indicators

Condition	%
Obesity	22.2%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	7.3%
Heart disease	4.4%
Stroke	2.0%
Asthma	9.2%
Arthritis	18.2%
Kidney disease	2.0%
Pulmonary disease	4.6%
Cancer	5.4%

Behavior / access	%
Smoking	12.7%
Binge drinking	21.2%
No physical activity	18.1%
Less than 7 hrs sleep	35.4%
Depression	18.5%
Fair or poor health	9.3%
Poor mental health	14.3%
Poor physical health	7.6%
No health insurance	11.0%
Visited doctor (checkup)	72.2%
Visited dentist	69.8%
Cholesterol screening	0.0%
Teeth loss	8.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,032	3.4%

Disability	%
Any disability	8.5%
Under 18	3.7%
18–64 years	7.2%
65 and over	23.2%

Health insurance coverage

Type	%
Private insurance	82.2%
Public insurance	23.9%
No insurance	4.3%
Uninsured under 19	2.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	37,436	94.3%
Spanish	1,676	4.5%
Other Indo-European	1,123	3.0%
Asian & Pacific Islander	315	0.8%
Other languages	228	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	35,153	88.6%
Born in same state	34,392	86.7%
Born in different state	24,428	61.6%
Foreign born	761	1.9%
Naturalized citizen	4,531	11.4%
Not a US citizen	3,242	71.6%

Ancestry

Ancestry	Count	%
Italian	8,871	22.4%
French	1,842	4.6%
Arab	1,742	4.4%
Irish	326	0.8%
Norwegian	287	0.7%

Ancestry	Count	%
English	264	0.7%
Polish	212	0.5%
Dutch	101	0.3%
German	97	0.2%

Technology access

Metric	% of households
Computer access	33.5%
Internet access	95.7%

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

Frequently asked questions about ZIP code 07731

What city is ZIP code 07731 in?

ZIP code 07731 is primarily assigned to Howell, New Jersey.

What county is ZIP code 07731 in?

ZIP code 07731 falls within Monmouth County, New Jersey.

Is ZIP code 07731 mostly owner-occupied?

90% of occupied units in ZIP code 07731 are owner-occupied, well above the national average.

What is the median household income in ZIP code 07731?

The median household income in ZIP code 07731 is $129,501, above the national median of ~$75,000.

What is the typical home value in ZIP code 07731?

The median home value in ZIP code 07731 is $418,700.

What is the population of ZIP code 07731?

ZIP code 07731 has an estimated population of 39,684 residents, with a density of 1,249 people per square mile.

What timezone is ZIP code 07731 in?

ZIP code 07731 observes the EST timezone.