07746 ZIP Code — Marlboro, NJ

Monmouth County, New Jersey

ZIP code 07746 is located in Marlboro, New Jersey, within Monmouth County. It covers approximately 12.38 square miles and serves a population of 18,230 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 732/908/848.

About ZIP code 07746

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 $609,200. Owner-occupancy is high at 96%, well above the national average.

The gap between median ($179,102) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% 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. An above-average commute of 41 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 24% of workers work from home.

Educational attainment is high — 68% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 07746 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

18,230

population

12.38

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

07746 ZIP code map

Cities in ZIP code 07746

Below are the cities the US Postal Service accepts for ZIP code 07746. Using any city not on this list may result in mail delivery delays.

City	Status
Marlboro	Acceptable
Marlboro	Preferred

Nearby ZIP codes

07751 Morganville (3.2 mi) 07722 Colts Neck (5.3 mi) 07726 Englishtown (6.1 mi) 07728 Freehold (6.1 mi) 07733 Holmdel (6.2 mi) 08857 Old Bridge (6.5 mi) 07747 Matawan (7 mi) 07738 Lincroft (7.3 mi) 08831 Monroe Township (8.5 mi) 07721 Cliffwood (8.6 mi) 07730 Hazlet (8.8 mi) 07727 Farmingdale (8.8 mi)

Demographics updated 05/2026

Population
Total population	18,230
Population density	1,473 / sq mi
State FIPS	34
County FIPS	025

Geography
Land area	12.38 sq mi
Water area	0.06 sq mi
Latitude	40.3135
Longitude	-74.2572
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	13.2%	24.4%	30.2%
$50k – $100k	14.2%	24.0%	26.7%
$100k – $200k	31.6%	31.1%	28.3%
Over $200k	41.0%	20.5%	14.8%

Demographics & statistics

18,230

Population

1,473

People per sq mi

45.7

Median age

$179,102

Median household income

$78,016

Per capita income

$609,200

Median home value

$2,736

Median monthly rent

95.5%

Home ownership

4.0%

Poverty rate

4.5%

Unemployment

5,782

Housing units

67.8%

Bachelor's or higher

Age distribution

Male Female

379

Under 5

442

423

5–9

493

760

10–14

886

722

15–19

842

505

20–24

590

439

25–34

512

907

35–44

1,058

1,525

45–54

1,780

530

55–59

619

596

60–64

696

950

65–74

1,108

475

75–84

554

203

85+

236

← Male

Female →

Age summary

Group	Count	%
Under 18	4,461	24.5%
18 and over	13,769	75.5%
65 and over	3,526	19.3%
Median age	45.7 years

Race & ethnicity

White 72.9%

Asian 19.2%

Two or more races 2.8%

Hispanic or Latino 2.6%

Other race 1.5%

Black or African American 1%

Group	Count	%
White	13,645	72.9%
Asian	3,599	19.2%
Two or more races	522	2.8%
Hispanic or Latino	486	2.6%
Other race	273	1.5%
Black or African American	191	1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	13.2%	24.4%	30.2%
$50k – $100k	14.2%	24.0%	26.7%
$100k – $200k	31.6%	31.1%	28.3%
Over $200k	41.0%	20.5%	14.8%

Under $10k 1.4%

$10k–$15k 1.4%

$15k–$25k 3.7%

$25k–$35k 2.6%

$35k–$50k 3.5%

$50k–$75k 6.4%

$75k–$100k 5.5%

$100k–$150k 17.5%

$150k–$200k 12.3%

$200k+ 45.7%

Range	% of households
Under $10k	1.4%
$10k–$15k	1.4%
$15k–$25k	3.7%
$25k–$35k	2.6%
$35k–$50k	3.5%
$50k–$75k	6.4%
$75k–$100k	5.5%
$100k–$150k	17.5%
$150k–$200k	12.3%
$200k+	45.7%
Median income	$179,102

Housing

Home values

Under $50k 3.0%

$50k–$100k 1.5%

$100k–$150k 0.3%

$150k–$200k 0.2%

$200k–$300k 1.3%

$300k–$500k 24.1%

$500k–$1M 61.7%

$1M+ 8.0%

Housing overview

Metric	Value
Median home value	$609,200
Median rent / month	$2,736
Owner occupied	95.5%
Renter occupied	4.5%
Vacant	1.1%
Single-family detached	89.6%
Large apartment buildings	1.0%
Mobile homes	0.2%
Median rooms	8.1
Avg household size (owned)	3.04

Year built

Era	%
2020 or later	0.0%
2010–2019	1.3%
2000–2009	16.5%
1990–1999	16.3%
1980–1989	37.7%
1970–1979	17.4%
1960–1969	8.2%
1950–1959	1.1%
1940–1949	0.4%
1939 or earlier	1.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.8%
1 bedroom	0.0%
2 bedrooms	12.2%
3 bedrooms	20.2%
4 bedrooms	42.8%
5+ bedrooms	23.9%

Vehicles per household

Vehicles	% of households
No vehicle	2.6%
1 vehicle	18.2%
2 vehicles	48.3%
3 or more	30.9%

Heating fuel

Fuel type	%
Utility gas	92.0%
Electricity	3.2%
Propane / LP gas	1.2%
Fuel oil	3.1%
Wood	0.2%
Solar	0.4%

Households & families

Household type	Count	%
Married-couple family	4,696	78.5%
Cohabiting couple	120	2.0%
Male householder, no spouse	296	4.9%
Female householder, no spouse	872	14.6%
Households with children under 18	2,296	38.4%
Households with seniors (65+)	2,447	40.9%
Average household size	3.03

Marital status

Status	Male	Female
Never married	25.1%	24.2%
Married	70.0%	61.0%
Separated	0.3%	1.1%
Widowed	1.7%	9.0%
Divorced	2.9%	4.8%

Education

Less than 9th grade 1.3%

Some HS, no diploma 1.0%

HS graduate 14.1%

Some college, no degree 9.8%

Associate's degree 5.9%

Bachelor's degree 35.0%

Graduate / professional 32.8%

Metric	%
HS diploma or higher	97.7%
Bachelor's or higher	67.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	338	6.3%
Kindergarten	117	2.2%
Elementary school	2,201	40.9%
High school	1,450	27.0%
College / grad school	1,271	23.6%

Employment

Industry of employment

Education & healthcare 25.1%

Professional & management 20.9%

Finance & real estate 14.3%

Retail trade 11.0%

Arts, food & hospitality 6.5%

Manufacturing 5.1%

Information 3.9%

Transportation & utilities 3.2%

Wholesale trade 2.8%

Other services 2.7%

Construction 2.5%

Public administration 1.8%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	65.6%
Service	7.1%
Sales & office	21.7%
Natural resources & construction	2.2%
Production & transportation	3.4%

Employment type

Type	%
Private sector	81.2%
Government	11.6%
Self-employed	6.9%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	58.0%
Carpool	6.8%
Public transit	9.9%
Walk	0.3%
Work from home	23.9%
Other means	1.0%
Avg commute (minutes)	40.8

Poverty

All people 4.0%

Under 18 years 5.1%

18 and over 3.6%

Married-couple families 1.9%

Female-led households 27.6%

Income support

Source	% of households
Social Security	35.6%
Retirement income	27.4%
Supplemental Security	4.1%
Cash public assistance	0.5%
Food stamps / SNAP	1.0%

Health indicators

Condition	%
Obesity	19.2%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	7.9%
Heart disease	5.1%
Stroke	2.2%
Asthma	8.3%
Arthritis	20.0%
Kidney disease	2.2%
Pulmonary disease	4.3%
Cancer	6.8%

Behavior / access	%
Smoking	9.1%
Binge drinking	17.9%
No physical activity	16.4%
Less than 7 hrs sleep	32.6%
Depression	15.9%
Fair or poor health	8.2%
Poor mental health	11.6%
Poor physical health	6.9%
No health insurance	8.1%
Visited doctor (checkup)	75.1%
Visited dentist	74.6%
Cholesterol screening	0.0%
Teeth loss	6.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	433	3.1%

Disability	%
Any disability	10.7%
Under 18	5.7%
18–64 years	6.6%
65 and over	29.1%

Health insurance coverage

Type	%
Private insurance	87.6%
Public insurance	24.6%
No insurance	2.3%
Uninsured under 19	2.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,409	95.5%
Spanish	795	4.6%
Other Indo-European	87	0.5%
Asian & Pacific Islander	349	2.0%
Other languages	315	1.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,493	79.5%
Born in same state	14,350	78.7%
Born in different state	7,163	39.3%
Foreign born	143	0.8%
Naturalized citizen	3,737	20.5%
Not a US citizen	3,150	84.3%

Ancestry

Ancestry	Count	%
Italian	1,722	9.4%
Arab	1,375	7.5%
French	340	1.9%
Irish	136	0.7%

Ancestry	Count	%
English	95	0.5%
German	65	0.4%
Norwegian	28	0.2%
Dutch	11	0.1%

Technology access

Metric	% of households
Computer access	32.8%
Internet access	98.2%

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

Frequently asked questions about ZIP code 07746

What city is ZIP code 07746 in?

ZIP code 07746 is primarily assigned to Marlboro, New Jersey.

What county is ZIP code 07746 in?

ZIP code 07746 falls within Monmouth County, New Jersey.

How educated is the population of ZIP code 07746?

68% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 07746 mostly owner-occupied?

96% of occupied units in ZIP code 07746 are owner-occupied, well above the national average.

Does ZIP code 07746 have a large retiree population?

36% of households in ZIP code 07746 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 07746?

The median household income in ZIP code 07746 is $179,102, above the national median of ~$75,000.

What timezone is ZIP code 07746 in?

ZIP code 07746 observes the EST timezone.