ZIP Code 07928 — Chatham borough, NJ Demographics & Data

ZIP code 07928 covers Chatham, NJ in Morris County with a population of about 19,667.

At a glance, the area shows median age of 39.8 (near the U.S. median).

It sits in telephone area codes 862, 973; U.S. House district NJ-11; the NEW YORK media market.

Chatham, NJ aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 07928 is about $236,000 — about 214% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.2%; unemployment rate near 5.5%; 83.3% of adults with a bachelor’s degree or higher (about 49.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Professional services, and Healthcare; 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 $965,800 — about 177% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,300 (about 98% above the U.S. median rent ($1,163)), and owner-occupancy near 82.2% (about 16.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07928 in Chatham, NJ, a household would need roughly $266,000 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 $6,204. That is roughly in line with the local median household income ($236,000). 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 Chatham borough, NJ as Relatively Moderate (composite score 92.9), which is among the highest nationally. The strongest component scores on US5 are flood (96.3) and hurricane (85.2). 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 Chatham borough, NJ show little to no average snow and around 50.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,266 for ZIP 07928 (Chatham 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.