07748 ZIP Code — Middletown, NJ

Monmouth County, New Jersey

ZIP code 07748 is located in Middletown, New Jersey, within Monmouth County. It covers approximately 13.00 square miles and serves a population of 28,112 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 732/848/908.

About ZIP code 07748

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 $523,400. Owner-occupancy is high at 85%, well above the national average.

The gap between median ($141,241) 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. 30% 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 36 minutes suggests many residents work outside the immediate area.

Educational attainment is high — 51% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 07748 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

28,112

population

13.00

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

07748 ZIP code map

Cities in ZIP code 07748

Below are the cities the US Postal Service accepts for ZIP code 07748. Using any city not on this list may result in mail delivery delays.

City	Status
Middletown	Acceptable
Middletown	Acceptable
Middletown	Preferred

Nearby ZIP codes

07799 Eatontown (1.7 mi) 07718 Belford (2.1 mi) 07758 Port Monmouth (2.4 mi) 07737 Leonardo (2.6 mi) 07701 Red Bank (3.3 mi) 07734 Keansburg (3.5 mi) 07716 Atlantic Highlands (3.5 mi) 07733 Holmdel (3.7 mi) 07738 Lincroft (3.9 mi) 07730 Hazlet (4 mi) 07704 Fair Haven (4.5 mi) 07760 Rumson (5.5 mi)

Demographics updated 05/2026

Population
Total population	28,112
Population density	2,162 / sq mi
State FIPS	34
County FIPS	025

Geography
Land area	13.00 sq mi
Water area	0.04 sq mi
Latitude	40.3966
Longitude	-74.1079
Timezone	Eastern (ET)
Area code	732/848/908

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.1%	24.4%	30.2%
$50k – $100k	25.7%	24.0%	26.7%
$100k – $200k	33.5%	31.1%	28.3%
Over $200k	25.6%	20.5%	14.8%

Demographics & statistics

28,112

Population

2,162

People per sq mi

43.5

Median age

$141,241

Median household income

$64,140

Per capita income

$523,400

Median home value

$1,512

Median monthly rent

84.8%

Home ownership

4.4%

Poverty rate

5.5%

Unemployment

8,868

Housing units

50.7%

Bachelor's or higher

Age distribution

Male Female

828

Under 5

796

768

5–9

740

992

10–14

955

1,080

15–19

1,040

866

20–24

833

1,244

25–34

1,198

1,648

35–44

1,586

2,494

45–54

2,400

1,112

55–59

1,070

1,126

60–64

1,083

1,184

65–74

1,139

661

75–84

637

322

85+

310

← Male

Female →

Age summary

Group	Count	%
Under 18	6,588	23.4%
18 and over	21,524	76.6%
65 and over	4,253	15.1%
Median age	43.5 years

Race & ethnicity

White 83.1%

Two or more races 5.9%

Hispanic or Latino 5.2%

Asian 2.6%

Black or African American 1.5%

Other race 1.3%

American Indian / Alaska Native 0.4%

Group	Count	%
White	24,637	83.1%
Two or more races	1,737	5.9%
Hispanic or Latino	1,527	5.2%
Asian	775	2.6%
Black or African American	436	1.5%
Other race	399	1.3%
American Indian / Alaska Native	128	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.1%	24.4%	30.2%
$50k – $100k	25.7%	24.0%	26.7%
$100k – $200k	33.5%	31.1%	28.3%
Over $200k	25.6%	20.5%	14.8%

Under $10k 2.5%

$10k–$15k 0.4%

$15k–$25k 5.4%

$25k–$35k 2.1%

$35k–$50k 4.5%

$50k–$75k 9.5%

$75k–$100k 12.1%

$100k–$150k 16.5%

$150k–$200k 16.5%

$200k+ 30.6%

Range	% of households
Under $10k	2.5%
$10k–$15k	0.4%
$15k–$25k	5.4%
$25k–$35k	2.1%
$35k–$50k	4.5%
$50k–$75k	9.5%
$75k–$100k	12.1%
$100k–$150k	16.5%
$150k–$200k	16.5%
$200k+	30.6%
Median income	$141,241

Housing

Home values

Under $50k 1.8%

$50k–$100k 0.6%

$100k–$150k 0.5%

$150k–$200k 2.5%

$200k–$300k 6.0%

$300k–$500k 35.3%

$500k–$1M 50.7%

$1M+ 2.6%

Housing overview

Metric	Value
Median home value	$523,400
Median rent / month	$1,512
Owner occupied	84.8%
Renter occupied	15.2%
Vacant	2.7%
Single-family detached	76.2%
Large apartment buildings	6.0%
Mobile homes	0.2%
Median rooms	7.3
Avg household size (owned)	2.90

Year built

Era	%
2020 or later	0.1%
2010–2019	3.6%
2000–2009	6.4%
1990–1999	5.5%
1980–1989	19.9%
1970–1979	16.7%
1960–1969	14.1%
1950–1959	20.8%
1940–1949	3.9%
1939 or earlier	9.1%

Bedrooms

Size	% of units
No bedroom (studio)	2.8%
1 bedroom	5.6%
2 bedrooms	12.7%
3 bedrooms	35.0%
4 bedrooms	35.0%
5+ bedrooms	8.9%

Vehicles per household

Vehicles	% of households
No vehicle	3.8%
1 vehicle	25.8%
2 vehicles	43.8%
3 or more	26.5%

Heating fuel

Fuel type	%
Utility gas	87.0%
Electricity	9.6%
Propane / LP gas	2.1%
Fuel oil	0.9%
Wood	0.1%
Solar	0.2%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	6,427	63.5%
Cohabiting couple	585	5.8%
Male householder, no spouse	922	9.1%
Female householder, no spouse	2,183	21.6%
Households with children under 18	3,617	35.8%
Households with seniors (65+)	3,213	31.8%
Average household size	2.78

Marital status

Status	Male	Female
Never married	32.5%	24.4%
Married	60.1%	55.8%
Separated	0.3%	2.2%
Widowed	2.8%	9.3%
Divorced	4.3%	8.4%

Education

Less than 9th grade 1.6%

Some HS, no diploma 1.7%

HS graduate 23.3%

Some college, no degree 15.3%

Associate's degree 7.5%

Bachelor's degree 33.3%

Graduate / professional 17.4%

Metric	%
HS diploma or higher	96.7%
Bachelor's or higher	50.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	548	7.3%
Kindergarten	177	2.4%
Elementary school	2,948	39.4%
High school	1,815	24.3%
College / grad school	1,996	26.7%

Employment

Industry of employment

Education & healthcare 24.2%

Professional & management 16.6%

Finance & real estate 13.9%

Retail trade 9.5%

Arts, food & hospitality 8.3%

Manufacturing 6.3%

Construction 5.9%

Transportation & utilities 5.2%

Other services 3.1%

Public administration 2.6%

Information 2.5%

Wholesale trade 1.8%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	50.3%
Service	13.5%
Sales & office	22.8%
Natural resources & construction	7.0%
Production & transportation	6.4%

Employment type

Type	%
Private sector	82.7%
Government	13.5%
Self-employed	3.6%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	69.9%
Carpool	3.6%
Public transit	10.7%
Walk	1.0%
Work from home	14.5%
Other means	0.3%
Avg commute (minutes)	35.9

Poverty

All people 4.4%

Under 18 years 4.7%

18 and over 4.3%

Married-couple families 2.7%

Female-led households 8.0%

Income support

Source	% of households
Social Security	30.2%
Retirement income	32.7%
Supplemental Security	2.5%
Cash public assistance	2.7%
Food stamps / SNAP	2.1%

Health indicators

Condition	%
Obesity	21.3%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	7.7%
Heart disease	5.1%
Stroke	2.2%
Asthma	9.0%
Arthritis	20.5%
Kidney disease	2.2%
Pulmonary disease	4.9%
Cancer	6.6%

Behavior / access	%
Smoking	11.6%
Binge drinking	19.9%
No physical activity	17.5%
Less than 7 hrs sleep	33.8%
Depression	18.0%
Fair or poor health	9.2%
Poor mental health	13.4%
Poor physical health	7.7%
No health insurance	9.9%
Visited doctor (checkup)	73.7%
Visited dentist	71.9%
Cholesterol screening	0.0%
Teeth loss	7.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	841	3.9%

Disability	%
Any disability	8.9%
Under 18	2.5%
18–64 years	6.9%
65 and over	26.7%

Health insurance coverage

Type	%
Private insurance	88.3%
Public insurance	21.0%
No insurance	3.4%
Uninsured under 19	1.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	26,488	94.2%
Spanish	665	2.5%
Other Indo-European	353	1.3%
Asian & Pacific Islander	119	0.4%
Other languages	108	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	26,146	93.0%
Born in same state	25,813	91.8%
Born in different state	17,221	61.3%
Foreign born	333	1.2%
Naturalized citizen	1,966	7.0%
Not a US citizen	1,277	65.0%

Ancestry

Ancestry	Count	%
Italian	8,827	31.4%
French	1,544	5.5%
Arab	678	2.4%
Irish	370	1.3%
Polish	292	1%

Ancestry	Count	%
English	170	0.6%
Norwegian	95	0.3%
German	24	0.1%
Dutch	20	0.1%

Technology access

Metric	% of households
Computer access	36.0%
Internet access	96.7%

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

Frequently asked questions about ZIP code 07748

What city is ZIP code 07748 in?

ZIP code 07748 is primarily assigned to Middletown, New Jersey.

What county is ZIP code 07748 in?

ZIP code 07748 falls within Monmouth County, New Jersey.

Is ZIP code 07748 mostly owner-occupied?

85% of occupied units in ZIP code 07748 are owner-occupied, well above the national average.

How educated is the population of ZIP code 07748?

51% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the median household income in ZIP code 07748?

The median household income in ZIP code 07748 is $141,241, above the national median of ~$75,000.

What is the typical home value in ZIP code 07748?

The median home value in ZIP code 07748 is $523,400.

What timezone is ZIP code 07748 in?

ZIP code 07748 observes the EST timezone.