ZIP Code 07732 — Highlands borough, NJ Demographics & Data

ZIP code 07732 covers Highlands, NJ in Monmouth County with a population of about 4,686.

At a glance, the area shows median age of 48.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 732, 848; U.S. House district NJ-6; the NEW YORK media market.

Median household income in ZIP 07732 is about $90,205 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.5%; unemployment rate near 9.4%; 54.1% of adults with a bachelor’s degree or higher (about 20.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Retail trade; about 24.4% of workers reporting work-from-home (about 9.2 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 $396,800 — about 14% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,521 (about 31% above the U.S. median rent ($1,163)), and owner-occupancy near 64.2% (about 1.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07732 in Highlands, NJ, a household would need roughly $109,000 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 $2,549. That is about 21% above the local median household income ($90,205), 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 Highlands 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 Highlands 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 302 for ZIP 07732 (Highlands 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.