| City: | Cliffwood, New Jersey |
| County: | Monmouth County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 9:14:23 PM |
| Population: | 3,894 [See All] |
| Area Codes: | 732 / 848 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 40.4369, -74.2340 |
| Land Area: | 0.912 sq mi |
| Quick Link: |
ZIP Code 07721 has 3,894 residents and 1,472 households (average 2.63 persons per household). The median age is 35.4 years, younger than the state (39.9) and younger than the nation (38.8). The gender split is 47.8% male and 52.2% female, which is slightly lower than the national male share (49.1%), making this a female-majority area. Largest groups are White (44.8%, much lower than the state average of 55.0% and well below the national average of 61.6%) and Black or African American (27.9%, much higher than the state average of 13.1% and well above the national average of 12.4%); Hispanic or Latino residents make up 15.9%, which is lower than the state average (21.6%), and Black or African American share is much higher than both the state (13.1%) and national averages (12.4%).
Explore More: Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship
| 2020 Population: | 3,894Source: Census DHC |
| 2023 ACS Population Estimate: | 4,445Source: Census ACS |
| 2025 ZC Population Estimate: | 4,179Source: ZIP-Codes.com |
| Population Density: | 4,269.7 people per sq mile |
| Average Income: | $128,110Source: Census ACS |
| Households: | 1,472Source: Census DHC |
| Average House Value: | $387,500Source: Census ACS |
| Persons Per Household: | 2.63Source: Census DHC |
| Average Family Size: | 3.15Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 2,912 | 2,942 | 2,998 | 3,111 | 3,033 | 3,169 | 3,039 | 3,003 | 3,123 | 3,337 | 3,770 | 3,958 | 4,445 |
| Decennial Census | 2,974 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 3,894 | -- | -- | -- |
Median Age: 35.4
Male Median Age: 34.6
Female Median Age: 36.2
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 116 | 134 | 121 | 123 | 100 | 162 | 195 | 128 | 115 | 97 | 110 | 149 | 110 | 71 | 64 | 29 | 22 | 15 |
| Female | 150 | 99 | 104 | 129 | 85 | 218 | 183 | 143 | 187 | 107 | 105 | 173 | 129 | 77 | 54 | 40 | 22 | 28 |
| Total | 266 | 233 | 225 | 252 | 185 | 380 | 378 | 271 | 302 | 204 | 215 | 322 | 239 | 148 | 118 | 69 | 44 | 43 |
| White: | 1,744 | 42.70% |
| Black: | 1,085 | 26.57% |
| Hispanic:* | 618 | 15.13% |
| Asian: | 394 | 9.65% |
| American Indian: | 25 | 0.61% |
| Hawaiian: | 2 | 0.05% |
| Other: | 216 | 5.29% |
| Total: | 4,084 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 1,861 | 47.79% | 34.6 years |
| Females: | 2,033 | 52.21% | 36.2 years |
| Total: | 3,894 | 100% | 35.4 years |
| Native, born in the United States: | 3,456 | 77.75% |
| Native, born in PR, Island Areas, or abroad: | 173 | 3.89% |
| Foreign born, naturalized U.S. citizen: | 449 | 10.10% |
| Foreign born, not a U.S. citizen: | 367 | 18.36% |
| Total Population: | 4,445 | 100% |
| Total Native Population: | 3,629 | 81.64% |
| Total Foreign-born Population: | 816 | 18.36% |
In 2023, the Median household income is $128,110, which is considerably higher than the national median ($78,538), is up $30,283 (31.0%) since 2011 and above its 2019 pre-pandemic level by $50,628. Family households earn a median of $126,319 versus $135,660 for nonfamily households (a difference of $9,341). By gender, male median income is $100,256 and female is $72,833, which is markedly greater than the national female median ($53,445), with a current gap of $27,423 that has widened from 2011 to 2023. The labor-force participation rate is 71.3%, which is markedly above the national rate (63.5%). The unemployment rate is 5.3%, which is narrowly below the state rate (6.1%). The largest occupation group is Management (50.1%).
Explore More: Income Over Time Household Income Employment Status By Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $97,827 | $89,153 | $79,375 | $77,273 | $68,750 | $69,071 | $68,350 | $73,211 | $77,482 | $103,438 | $107,009 | $105,302 | $128,110 |
| Median Family Income | $105,968 | $105,701 | $106,369 | $106,500 | $84,821 | $73,954 | $80,750 | $86,339 | $105,682 | $116,276 | $120,912 | $117,250 | $126,319 |
| Median NonFamily Income | $57,625 | $32,500 | $29,967 | $38,472 | $32,500 | $38,500 | $44,112 | $57,717 | $56,958 | $68,583 | $72,000 | $102,917 | $135,660 |
| Median Male Income | $63,024 | $63,964 | $62,813 | $63,640 | $57,153 | $51,458 | $61,042 | $56,875 | $58,405 | $76,538 | $74,773 | $81,168 | $100,256 |
| Median Female Income | $41,429 | $55,417 | $46,458 | $49,036 | $46,923 | $43,000 | $47,697 | $50,577 | $55,717 | $68,582 | $77,083 | $68,676 | $72,833 |
| Employed: | 2,526 | 67.58% |
| Unemployed: | 141 | 3.77% |
| Not In Labor Force: | 1,071 | 28.65% |
| Total: | 3,738 | 100% |
| Management, business, science, and arts: | 1,265 | 50.08% |
| Service: | 571 | 22.60% |
| Sales and Office: | 256 | 10.13% |
| Natural resources, construction, and maintenance: | 169 | 6.69% |
| Production, transportation, and material moving: | 265 | 10.49% |
| Total Civilian Employed Population: | 2,526 | 100% |
In 2023, the median home value is $387,500, which is much higher than the national median ($303,400), is up $81,500 (26.63%) since 2011 and above its 2019 pre-pandemic level by $119,700. The median gross rent is $1,945, which is markedly greater than the national median ($1,348), is up $716 (58.26%) since 2011 and above its 2019 pre-pandemic level by $522. Of occupied housing, owners make up 54.59% (81.65% with a mortgage, 18.35% free-and-clear) and renters 45.41% - making this ZIP Code less home ownership than the state and higher than national rental averages. The vacancy rate is 0.00%, which is much lower than the national rate (10.43%).
Explore More: Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $306,000 | $289,300 | $276,100 | $285,500 | $281,100 | $274,200 | $271,100 | $270,700 | $267,800 | $292,700 | $286,900 | $337,500 | $387,500 |
| Less than $500: | 13 | 1.70% |
| $500 to $999: | 0 | 0.00% |
| $1,000 to $1,499: | 21 | 2.74% |
| $1,500 to $1,999: | 392 | 51.17% |
| $2,000 to $2,499: | 96 | 12.53% |
| $2,500 to $2,999: | 165 | 21.54% |
| $3,000 or more: | 79 | 10.31% |
| No Rent: | 0 | 0.00% |
| Total: | 766 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $1,229 | $1,281 | $1,154 | $1,237 | $1,218 | $1,208 | $1,206 | $1,277 | $1,423 | $1,448 | $1,726 | $1,912 | $1,945 |
| Owner Occupied (with mortgage): | 752 | 44.58% |
| Owner Occupied (free and clear, no mortgage): | 169 | 10.02% |
| Renter Occupied: | 766 | 45.41% |
| Total Occupied Housing Units: | 1,687 | 100% |
| Occupied Housing Units: | 1,687 | 100.00% |
| Vacant Housing Units (not graphed): | 0 | 0.00% |
| Total Housing Units: | 1,687 | 100% |
| Single-Family Units: | 965 | 57.20% |
| Multi-Family Units: | 707 | 41.91% |
| Other Units: | 15 | 0.89% |
| Total Housing Units: | 1,687 | 100% |
In 2023, 46.50% of adults (25+) have a bachelor's degree or higher, which is far higher than the national rate (35.00%). High school or higher is 91.20%, which is comparable to the national rate (89.40%). The uninsured rate is 1.10%, which is far lower than the national rate (8.60%). Public coverage is 19.80%, which is falls below the national rate (36.30%). The share of people in poverty is 4.80%, which is comparable to the national rate (8.70%), up 2.50 percentage points since 2011 and above its 2019 pre-pandemic level by 4.80 percentage points. This points to rising hardship - a weaker consumer base, greater strain on public services, and job-market headwinds. Among residents ages 3+, the largest enrollment group is high school (33.90%). College enrollment is 22.63%, which is comparable to the national rate (26.70%), meaning the community mirrors broader higher-education participation.
Explore More: Educational Attainment Health Insurance Poverty Over Time School Enrollment
| Less than 9th grade: | 110 | 3.62% |
| 9th to 12th grade, no diploma: | 157 | 5.16% |
| High school graduate (includes equivalency): | 777 | 25.56% |
| Some college, no degree: | 416 | 13.68% |
| Associate's degree: | 167 | 5.49% |
| Bachelor's degree: | 700 | 23.03% |
| Graduate or professional degree: | 713 | 23.45% |
| Total: | 3,040 | 100% |
| High school or higher: | 2,773 | 91.22% |
| Bachelor's degree or higher: | 1,413 | 46.48% |
| Private Insurance: | 3,682 | 79.85% |
| Public Insurance: | 881 | 19.11% |
| No Insurance: | 48 | 1.04% |
| Total: | 4,611 | 100% |
| Has Health Insurance: | 4,563 | 98.96% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 2.3% | 5.9% | 1.4% | 3.3% | 3.8% | 3.5% | 2.1% | 1.2% | 0.0% | 2.5% | 5.2% | 4.8% | 4.8% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 39 | 2.89% |
| Kindergarten: | 132 | 9.79% |
| Elementary school (grades 1-8): | 415 | 30.79% |
| High school (grades 9-12): | 457 | 33.90% |
| College or graduate school: | 305 | 22.63% |
| Total: | 1,348 | 100% |
| Early Childhood: | 171 | 12.69% |
| K-12 (Primary & Secondary School): | 1,004 | 74.48% |
ZIP Code 07721 supports both business and residential activity. According to the Business Census (2023), there are 64 business establishments, employing about 558 people with an annual payroll of $25,902,000. USPS data shows 1,589 residential mailboxes and 63 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 1,589Source: USPS |
| # Business Mailboxes: | 63Source: USPS |
| Total Delivery Receptacles: | 1,987Source: USPS |
| Single Family Delivery Units: | 982Source: USPS |
| Multi Family Delivery Units: | 2Source: USPS |
| # of Businesses: | 64Source: CBP |
| 1st Quarter Payroll: | $5,787,000Source: CBP |
| Annual Payroll: | $25,902,000Source: CBP |
| # of Employees: | 558Source: CBP |
ZIP Code 07721 is located in Monmouth County, New Jersey, within the New York-Newark-Jersey City, NY-NJ Metropolitan Statistical Area (CBSA 35620) and New Jersey's 6th Congressional District. This Metro area has a population of 19,756,722 people, about 0.02% of whom live in ZIP Code 07721, and is subdivided into the Lakewood-New Brunswick, NJ division. It covers 0.912 sq mi of land and a water area of 0.003 sq mi.
| CBSA Name: | New York-Newark-Jersey City, NY-NJSource: Census |
| CBSA Number: | 35620Source: Census |
| CBSA Type: | MetroSource: Census |
| CBSA Division: | Lakewood-New Brunswick, NJ (CBSA Div 29484)Source: Census |
| CBSA Population: | 19,756,722Source: Census |
| MSA: | New York-Northern New Jersey-Long Island, NY-NJ-CT-PASource: Census |
| Land Area: | 0.912 sq miSource: Census |
| Water Area: | 0.003 sq miSource: Census |
| Congressional District: | 06Source: USPS |
| Congressional Land Area: | 215.55 sq miSource: Census |
| PMSA: | Monmouth-Ocean, NJ PMSASource: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | --Source: Census |
| Place Name: | --Source: Census |
ZIP Code 07721 is in the Matawan-Aberdeen Regional School District, which serves grades Kindergarten thru 12th. There are 2 public school(s) in this ZIP Code, and we have located 3 private school(s). It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on October 1, 2025.