ZIP Code 07728 — West Freehold CDP, NJ Demographics & Data

ZIP code 07728 covers West Freehold, NJ in Monmouth County with a population of about 56,623.

At a glance, the area shows median age of 41.7 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.

West Freehold, NJ sits in a university / college context (near talmudical academy-new jersey (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 07728 is about $107,042 — about 42% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.5%; unemployment rate near 4.1%; 46.3% of adults with a bachelor’s degree or higher (about 12.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 18.5% of workers reporting work-from-home (about 3.3 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 $490,000 — about 41% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,771 (about 52% above the U.S. median rent ($1,163)), and owner-occupancy near 77.1% (about 11.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07728 in West Freehold, NJ, a household would need roughly $135,000 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 $3,148. That is about 26% above the local median household income ($107,042), 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 West Freehold CDP, 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 West Freehold CDP, NJ show little to no average snow and around 48.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3,645 for ZIP 07728 (West Freehold CDP, 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.