ZIP Code 07701 — Red Bank borough, NJ Demographics & Data

ZIP code 07701 covers Red Bank, NJ in Monmouth County with a population of about 24,544.

At a glance, the area shows median age of 43.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 732, 848; U.S. House district NJ-4; the NEW YORK media market.

Median household income in ZIP 07701 is about $113,630 — about 51% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.4%; unemployment rate near 3.9%; 52.8% of adults with a bachelor’s degree or higher (about 19.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Retail trade; about 15.5% of workers reporting work-from-home (roughly in line with 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 $551,500 — about 58% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,797 (about 55% above the U.S. median rent ($1,163)), and owner-occupancy near 65.3% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07701 in Red Bank, NJ, a household would need roughly $152,000 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 $3,543. That is about 34% above the local median household income ($113,630), 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 Red Bank borough, NJ as Relatively High (composite score 96.3), which is among the highest nationally. The strongest component scores on US5 are flood (95.8) and hurricane (93.1). 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 Red Bank borough, NJ show little to no average snow and around 52.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,580 for ZIP 07701 (Red Bank 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.