ZIP Code 07026 — Garfield city, NJ Demographics & Data

ZIP code 07026 covers Garfield, NJ in Bergen County with a population of about 32,502.

At a glance, the area shows median age of 39.0 (near the U.S. median).

It sits in telephone area codes 862, 973; U.S. House district NJ-9; the NEW YORK media market.

Garfield, NJ sits in a university / college context (near felician university (1.1 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 07026 is about $75,701 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.2%; unemployment rate near 5.6%; 24.3% of adults with a bachelor’s degree or higher (about 9.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 6.8% of workers reporting work-from-home (about 8.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $454,300 — about 31% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,397 (about 20% above the U.S. median rent ($1,163)), and owner-occupancy near 45.4% (about 20.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07026 in Garfield, NJ, a household would need roughly $125,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,918. That is about 65% above the local median household income ($75,701), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Garfield city, NJ as Relatively High (composite score 97.8), which is among the highest nationally. The strongest component scores on US5 are flood (98.8) and hurricane (92.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Garfield city, NJ show little to no average snow and around 46.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,092 for ZIP 07026 (Garfield city, NJ) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.