ZIP Code 07458 — Upper Saddle River borough, NJ Demographics & Data

ZIP code 07458 covers Upper Saddle River, NJ in Bergen County with a population of about 11,712.

At a glance, the area shows median age of 44.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 201, 551; U.S. House district NJ-5; the NEW YORK media market.

Upper Saddle River, NJ sits in a university / college context (near eastwick college-ramsey (2.0 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 07458 is about $244,155 — about 225% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.5%; unemployment rate near 8.4%; 75.0% of adults with a bachelor’s degree or higher (about 41.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Finance and insurance; about 29.5% of workers reporting work-from-home (about 14.3 points above 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 $1,187,100 — about 241% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $3,391 (about 192% above the U.S. median rent ($1,163)), and owner-occupancy near 88.8% (about 23.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07458 in Upper Saddle River, NJ, a household would need roughly $327,000 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 $7,626. That is about 34% above the local median household income ($244,155), 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 Upper Saddle River borough, 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 Upper Saddle River borough, NJ show little to no average snow and around 48.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 754 for ZIP 07458 (Upper Saddle River borough, 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.