ZIP Code 07032 — Kearny town, NJ Demographics & Data

ZIP code 07032 covers Kearny, NJ in Hudson County with a population of about 40,570.

At a glance, the area shows median age of 39.2 (near the U.S. median).

It sits in telephone area codes 201, 551; U.S. House district NJ-8; the NEW YORK media market.

Median household income in ZIP 07032 is about $83,212 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.5%; unemployment rate near 5.2%; 29.4% of adults with a bachelor’s degree or higher (about 4.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Manufacturing; about 5.3% of workers reporting work-from-home (about 9.9 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 $431,700 — about 24% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,436 (about 23% above the U.S. median rent ($1,163)), and owner-occupancy near 45.5% (about 20.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07032 in Kearny, NJ, a household would need roughly $119,000 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 $2,773. That is about 43% above the local median household income ($83,212), 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 Kearny town, NJ as Relatively High (composite score 97.2), which is among the highest nationally. The strongest component scores on US5 are flood (98.6) and hurricane (91.7). 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 Kearny town, NJ show little to no average snow and around 50.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,611 for ZIP 07032 (Kearny town, 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.