07738 ZIP Code — Lincroft, NJ

Monmouth County, New Jersey

ZIP code 07738 is located in Lincroft, New Jersey, within Monmouth County. It covers approximately 5.63 square miles and serves a population of 6,793 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 732.

About ZIP code 07738

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $674,300. Owner-occupancy is high at 91%, well above the national average.

The gap between median ($186,875) and mean household income suggests income inequality — a small number of higher earners pull the average up. 37% 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 40 minutes suggests many residents work outside the immediate area.

Educational attainment is high — 65% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 07738 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

6,793

population

5.63

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

07738 ZIP code map

Cities in ZIP code 07738

Below are the cities the US Postal Service accepts for ZIP code 07738. Using any city not on this list may result in mail delivery delays.

City	Status
Lincroft	Preferred

Nearby ZIP codes

07701 Red Bank (2.8 mi) 07799 Eatontown (3 mi) 07733 Holmdel (3.5 mi) 07702 Shrewsbury (3.7 mi) 07748 Middletown (3.9 mi) 07703 Fort Monmouth (4.2 mi) 07724 Eatontown (4.3 mi) 07722 Colts Neck (4.3 mi) 07739 Little Silver (4.5 mi) 07704 Fair Haven (4.8 mi) 07757 Oceanport (5.8 mi) 07737 Leonardo (5.8 mi)

Demographics updated 05/2026

Population
Total population	6,793
Population density	1,207 / sq mi
State FIPS	34
County FIPS	025

Geography
Land area	5.63 sq mi
Water area	0.21 sq mi
Latitude	40.3415
Longitude	-74.1241
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	14.6%	24.4%	30.2%
$50k – $100k	16.4%	24.0%	26.7%
$100k – $200k	34.6%	31.1%	28.3%
Over $200k	34.5%	20.5%	14.8%

Demographics & statistics

6,793

Population

1,207

People per sq mi

44.4

Median age

$186,875

Median household income

$79,608

Per capita income

$674,300

Median home value

$871

Median monthly rent

91.2%

Home ownership

1.2%

Poverty rate

8.6%

Unemployment

2,202

Housing units

64.7%

Bachelor's or higher

Age distribution

Male Female

246

Under 5

261

139

5–9

148

272

10–14

289

290

15–19

309

20–24

335

25–34

356

346

35–44

368

455

45–54

485

257

55–59

274

265

60–64

282

358

65–74

381

124

75–84

131

130

85+

139

← Male

Female →

Age summary

Group	Count	%
Under 18	1,726	25.4%
18 and over	5,067	74.6%
65 and over	1,263	18.6%
Median age	44.4 years

Race & ethnicity

White 81%

Asian 8.9%

Two or more races 5.1%

Hispanic or Latino 3%

Other race 1.9%

Group	Count	%
White	5,675	81%
Asian	623	8.9%
Two or more races	357	5.1%
Hispanic or Latino	209	3%
Other race	136	1.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	14.6%	24.4%	30.2%
$50k – $100k	16.4%	24.0%	26.7%
$100k – $200k	34.6%	31.1%	28.3%
Over $200k	34.5%	20.5%	14.8%

Under $10k 2.2%

$10k–$15k 1.3%

$15k–$25k 3.3%

$25k–$35k 3.9%

$35k–$50k 3.3%

$50k–$75k 3.5%

$75k–$100k 3.8%

$100k–$150k 20.7%

$150k–$200k 13.2%

$200k+ 44.8%

Range	% of households
Under $10k	2.2%
$10k–$15k	1.3%
$15k–$25k	3.3%
$25k–$35k	3.9%
$35k–$50k	3.3%
$50k–$75k	3.5%
$75k–$100k	3.8%
$100k–$150k	20.7%
$150k–$200k	13.2%
$200k+	44.8%
Median income	$186,875

Housing

Home values

Under $50k 2.5%

$150k–$200k 1.2%

$200k–$300k 1.5%

$300k–$500k 16.0%

$500k–$1M 67.1%

$1M+ 11.7%

Housing overview

Metric	Value
Median home value	$674,300
Median rent / month	$871
Owner occupied	91.2%
Renter occupied	8.8%
Vacant	3.4%
Single-family detached	85.4%
Large apartment buildings	6.1%
Mobile homes	2.2%
Median rooms	8.1
Avg household size (owned)	3.08

Year built

Era	%
2020 or later	0.7%
2010–2019	6.5%
2000–2009	4.3%
1990–1999	3.1%
1980–1989	27.5%
1970–1979	12.6%
1960–1969	10.3%
1950–1959	33.3%
1940–1949	1.7%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	6.2%
2 bedrooms	5.4%
3 bedrooms	28.5%
4 bedrooms	45.9%
5+ bedrooms	13.3%

Vehicles per household

Vehicles	% of households
No vehicle	5.2%
1 vehicle	18.9%
2 vehicles	44.9%
3 or more	31.0%

Heating fuel

Fuel type	%
Utility gas	88.3%
Electricity	4.6%
Propane / LP gas	1.4%
Fuel oil	5.1%

Households & families

Household type	Count	%
Married-couple family	1,711	73.6%
Cohabiting couple	14	0.6%
Male householder, no spouse	166	7.1%
Female householder, no spouse	433	18.6%
Households with children under 18	977	42.0%
Households with seniors (65+)	919	39.5%
Average household size	2.90

Marital status

Status	Male	Female
Never married	29.3%	21.6%
Married	66.6%	64.2%
Separated	0.1%	0.0%
Widowed	1.7%	9.5%
Divorced	2.5%	4.7%

Education

Less than 9th grade 0.5%

Some HS, no diploma 0.8%

HS graduate 15.2%

Some college, no degree 13.6%

Associate's degree 5.2%

Bachelor's degree 38.5%

Graduate / professional 26.3%

Metric	%
HS diploma or higher	98.7%
Bachelor's or higher	64.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	98	5.7%
Kindergarten	50	2.9%
Elementary school	666	38.4%
High school	637	36.7%
College / grad school	283	16.3%

Employment

Industry of employment

Education & healthcare 23.4%

Finance & real estate 15.3%

Professional & management 12.0%

Public administration 11.7%

Construction 7.6%

Wholesale trade 6.8%

Retail trade 6.0%

Arts, food & hospitality 5.4%

Other services 4.1%

Manufacturing 3.5%

Information 3.1%

Transportation & utilities 1.1%

Occupation

Category	%
Management, business & arts	65.1%
Service	11.0%
Sales & office	21.3%
Natural resources & construction	2.0%
Production & transportation	0.5%

Employment type

Type	%
Private sector	76.6%
Government	17.8%
Self-employed	4.0%
Unpaid family workers	1.6%

Commute

Method	%
Drive alone	65.1%
Carpool	6.1%
Public transit	7.5%
Walk	1.3%
Work from home	19.2%
Other means	0.8%
Avg commute (minutes)	39.7

Poverty

All people 1.2%

Under 18 years 0.0%

18 and over 1.6%

Married-couple families 0.9%

Female-led households 0.0%

Income support

Source	% of households
Social Security	36.6%
Retirement income	28.0%
Supplemental Security	1.2%
Cash public assistance	3.9%
Food stamps / SNAP	7.3%

Health indicators

Condition	%
Obesity	20.1%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	8.0%
Heart disease	5.9%
Stroke	2.4%
Asthma	8.6%
Arthritis	22.3%
Kidney disease	2.5%
Pulmonary disease	4.9%
Cancer	7.9%

Behavior / access	%
Smoking	9.7%
Binge drinking	18.3%
No physical activity	16.7%
Less than 7 hrs sleep	32.0%
Depression	16.8%
Fair or poor health	8.7%
Poor mental health	12.0%
Poor physical health	7.5%
No health insurance	8.5%
Visited doctor (checkup)	75.6%
Visited dentist	74.7%
Cholesterol screening	0.0%
Teeth loss	7.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	164	3.2%

Disability	%
Any disability	10.8%
Under 18	1.0%
18–64 years	7.4%
65 and over	35.1%

Health insurance coverage

Type	%
Private insurance	88.9%
Public insurance	25.6%
No insurance	0.7%
Uninsured under 19	0.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,286	92.5%
Spanish	271	4.3%
Other Indo-European	83	1.3%
Asian & Pacific Islander	155	2.5%
Other languages	33	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,031	88.8%
Born in same state	5,994	88.2%
Born in different state	2,981	43.9%
Foreign born	37	0.5%
Naturalized citizen	762	11.2%
Not a US citizen	654	85.8%

Ancestry

Ancestry	Count	%
Italian	2,307	34%
French	451	6.6%
Arab	99	1.5%
English	90	1.3%

Ancestry	Count	%
Dutch	67	1%
Irish	51	0.8%
Polish	20	0.3%
German	14	0.2%

Technology access

Metric	% of households
Computer access	34.2%
Internet access	95.5%

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

Frequently asked questions about ZIP code 07738

What city is ZIP code 07738 in?

ZIP code 07738 is primarily assigned to Lincroft, New Jersey.

What county is ZIP code 07738 in?

ZIP code 07738 falls within Monmouth County, New Jersey.

How educated is the population of ZIP code 07738?

65% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 07738 mostly owner-occupied?

91% of occupied units in ZIP code 07738 are owner-occupied, well above the national average.

Does ZIP code 07738 have a large retiree population?

37% of households in ZIP code 07738 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 07738?

The median household income in ZIP code 07738 is $186,875, above the national median of ~$75,000.

What timezone is ZIP code 07738 in?

ZIP code 07738 observes the EST timezone.