07645 ZIP Code — Montvale, NJ

Bergen County, New Jersey

ZIP code 07645 is located in Montvale, New Jersey, within Bergen County. It covers approximately 4.02 square miles and serves a population of 8,413 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 201/551.

About ZIP code 07645

The housing stock consists of a mix of housing types. Most homes were built in the 1960s, giving the area an established character. Median home value is $673,700. Owner-occupancy is high at 84%, well above the national average.

The gap between median ($175,179) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average. 39% 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 35 minutes is near the national average. Remote work is prevalent — 26% of workers work from home.

Educational attainment is high — 54% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 07645 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

8,413

population

4.02

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

07645 ZIP code map

Cities in ZIP code 07645

Below are the cities the US Postal Service accepts for ZIP code 07645. Using any city not on this list may result in mail delivery delays.

City	Status
Montvale	Preferred

Nearby ZIP codes

07656 Park Ridge (1.4 mi) 10965 Pearl River (1.8 mi) 07677 Woodcliff Lake (1.8 mi) 07458 Saddle River (2.8 mi) 07642 Hillsdale (3.3 mi) 10954 Nanuet (3.3 mi) 07675 Westwood (3.7 mi) 10977 Spring Valley (4.2 mi) 10962 Orangeburg (4.4 mi) 10913 Blauvelt (4.6 mi) 10952 Monsey (4.7 mi) 07423 Ho Ho Kus (4.8 mi)

Demographics updated 05/2026

Population
Total population	8,413
Population density	2,093 / sq mi
State FIPS	34
County FIPS	003

Geography
Land area	4.02 sq mi
Water area	0.01 sq mi
Latitude	41.0550
Longitude	-74.0459
Timezone	Eastern (ET)
Area code	201/551

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	14.2%	24.4%	30.2%
$50k – $100k	15.2%	23.4%	26.7%
$100k – $200k	39.3%	31.2%	28.3%
Over $200k	31.3%	21.0%	14.8%

Demographics & statistics

8,413

Population

2,093

People per sq mi

43.4

Median age

$175,179

Median household income

$74,722

Per capita income

$673,700

Median home value

$2,038

Median monthly rent

84.0%

Home ownership

3.4%

Poverty rate

2.9%

Unemployment

2,633

Housing units

54.0%

Bachelor's or higher

Age distribution

Male Female

143

Under 5

155

294

5–9

320

238

10–14

260

280

15–19

305

183

20–24

199

347

25–34

379

608

35–44

662

715

45–54

780

162

55–59

177

222

60–64

243

426

65–74

465

296

75–84

323

110

85+

121

← Male

Female →

Age summary

Group	Count	%
Under 18	1,736	20.6%
18 and over	6,677	79.4%
65 and over	1,741	20.7%
Median age	43.4 years

Race & ethnicity

White 72%

Asian 13.1%

Two or more races 6.5%

Hispanic or Latino 5.9%

Black or African American 1.7%

Other race 0.8%

Group	Count	%
White	6,437	72%
Asian	1,171	13.1%
Two or more races	577	6.5%
Hispanic or Latino	528	5.9%
Black or African American	154	1.7%
Other race	74	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	14.2%	24.4%	30.2%
$50k – $100k	15.2%	23.4%	26.7%
$100k – $200k	39.3%	31.2%	28.3%
Over $200k	31.3%	21.0%	14.8%

Under $10k 2.3%

$10k–$15k 1.6%

$15k–$25k 2.9%

$25k–$35k 5.4%

$35k–$50k 3.6%

$50k–$75k 6.0%

$75k–$100k 8.4%

$100k–$150k 12.6%

$150k–$200k 14.1%

$200k+ 43.1%

Range	% of households
Under $10k	2.3%
$10k–$15k	1.6%
$15k–$25k	2.9%
$25k–$35k	5.4%
$35k–$50k	3.6%
$50k–$75k	6.0%
$75k–$100k	8.4%
$100k–$150k	12.6%
$150k–$200k	14.1%
$200k+	43.1%
Median income	$175,179

Housing

Home values

Under $50k 0.5%

$50k–$100k 0.5%

$100k–$150k 0.5%

$150k–$200k 0.5%

$200k–$300k 1.6%

$300k–$500k 16.3%

$500k–$1M 70.2%

$1M+ 9.9%

Housing overview

Metric	Value
Median home value	$673,700
Median rent / month	$2,038
Owner occupied	84.0%
Renter occupied	16.0%
Vacant	1.8%
Single-family detached	62.9%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	7.4
Avg household size (owned)	2.85

Year built

Era	%
2020 or later	0.7%
2010–2019	10.9%
2000–2009	10.9%
1990–1999	5.3%
1980–1989	5.1%
1970–1979	13.6%
1960–1969	24.5%
1950–1959	11.8%
1940–1949	2.3%
1939 or earlier	14.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	5.0%
2 bedrooms	21.4%
3 bedrooms	30.9%
4 bedrooms	34.6%
5+ bedrooms	7.6%

Vehicles per household

Vehicles	% of households
No vehicle	2.3%
1 vehicle	29.4%
2 vehicles	44.1%
3 or more	24.2%

Heating fuel

Fuel type	%
Utility gas	80.6%
Electricity	11.8%
Propane / LP gas	0.6%
Fuel oil	6.4%

Households & families

Household type	Count	%
Married-couple family	2,014	65.7%
Cohabiting couple	50	1.6%
Male householder, no spouse	425	13.9%
Female householder, no spouse	577	18.8%
Households with children under 18	951	31.0%
Households with seniors (65+)	1,253	40.9%
Average household size	2.74

Marital status

Status	Male	Female
Never married	26.8%	28.4%
Married	65.7%	53.6%
Separated	1.1%	1.3%
Widowed	1.7%	9.2%
Divorced	4.7%	7.5%

Education

Less than 9th grade 2.1%

Some HS, no diploma 3.3%

HS graduate 16.9%

Some college, no degree 15.1%

Associate's degree 8.6%

Bachelor's degree 31.2%

Graduate / professional 22.8%

Metric	%
HS diploma or higher	94.6%
Bachelor's or higher	54.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	145	7.0%
Kindergarten	138	6.7%
Elementary school	838	40.6%
High school	456	22.1%
College / grad school	488	23.6%

Employment

Industry of employment

Education & healthcare 20.8%

Finance & real estate 13.5%

Professional & management 12.9%

Retail trade 10.5%

Construction 8.8%

Manufacturing 6.9%

Arts, food & hospitality 6.1%

Wholesale trade 5.8%

Public administration 5.1%

Other services 4.2%

Information 3.6%

Transportation & utilities 1.6%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	58.1%
Service	10.7%
Sales & office	24.3%
Natural resources & construction	5.1%
Production & transportation	1.9%

Employment type

Type	%
Private sector	79.5%
Government	14.5%
Self-employed	6.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	57.2%
Carpool	10.2%
Public transit	6.3%
Walk	0.1%
Work from home	26.1%
Other means	0.0%
Avg commute (minutes)	34.9

Poverty

All people 3.4%

Under 18 years 2.3%

18 and over 3.7%

Married-couple families 3.3%

Female-led households 16.5%

Income support

Source	% of households
Social Security	38.9%
Retirement income	21.6%
Supplemental Security	1.6%
Cash public assistance	1.0%
Food stamps / SNAP	0.8%

Health indicators

Condition	%
Obesity	22.2%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	7.5%
Heart disease	4.9%
Stroke	2.1%
Asthma	8.3%
Arthritis	19.7%
Kidney disease	2.3%
Pulmonary disease	4.2%
Cancer	6.8%

Behavior / access	%
Smoking	10.2%
Binge drinking	16.2%
No physical activity	15.1%
Less than 7 hrs sleep	32.2%
Depression	16.9%
Fair or poor health	7.7%
Poor mental health	11.9%
Poor physical health	6.4%
No health insurance	9.1%
Visited doctor (checkup)	75.7%
Visited dentist	76.1%
Cholesterol screening	0.0%
Teeth loss	6.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	292	4.4%

Disability	%
Any disability	4.8%
Under 18	0.0%
18–64 years	2.8%
65 and over	15.3%

Health insurance coverage

Type	%
Private insurance	84.2%
Public insurance	22.5%
No insurance	4.2%
Uninsured under 19	3.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,115	96.5%
Spanish	620	7.6%
Other Indo-European	187	2.3%
Asian & Pacific Islander	105	1.3%
Other languages	318	3.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,826	81.1%
Born in same state	6,774	80.5%
Born in different state	3,704	44.0%
Foreign born	52	0.6%
Naturalized citizen	1,587	18.9%
Not a US citizen	1,033	65.1%

Ancestry

Ancestry	Count	%
Italian	767	9.1%
Irish	234	2.8%
French	205	2.4%
Arab	145	1.7%

Ancestry	Count	%
English	126	1.5%
Polish	75	0.9%
Norwegian	19	0.2%

Technology access

Metric	% of households
Computer access	36.4%
Internet access	98.3%

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

Frequently asked questions about ZIP code 07645

What city is ZIP code 07645 in?

ZIP code 07645 is primarily assigned to Montvale, New Jersey.

What county is ZIP code 07645 in?

ZIP code 07645 falls within Bergen County, New Jersey.

How educated is the population of ZIP code 07645?

54% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 07645 mostly owner-occupied?

84% of occupied units in ZIP code 07645 are owner-occupied, well above the national average.

Does ZIP code 07645 have a large retiree population?

39% of households in ZIP code 07645 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 07645?

The median household income in ZIP code 07645 is $175,179, above the national median of ~$75,000.

What timezone is ZIP code 07645 in?

ZIP code 07645 observes the EST timezone.