ZIP Code · NJ

ZIP 07712

Part of Ocean, NJ

Pop. 40,194·Monmouth County·55th most expensive ZIP in New Jersey

Median rent (all units)

$2,863/mo

Year-over-Year

+3.7%

Month-over-Month

+0.7%

vs US Median

+$931

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 07712 · $2,863

More expensive than 88% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,690

1 BR

$1,910

2 BR

$2,350

3 BR

$3,070

4 BR+

$3,400

Research median

$2,350/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 07712 is 0.6% below its high of $2,881 in June 2026, at $2,863 as of September 2026.

Past year vs. the rest of New Jersey

Rent in ZIP 07712 changed +3.7% over the year to September 2026. Across the 149 New Jersey ZIP codes Zillow tracks, the typical change was +2.8%.

Recent direction

Rent rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($96,725) is $2,418 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,350); a 3-bedroom is $3,070.

Cheaper nearby

ZIP 07724, 4 miles away, rents for 16% less ($2,419/mo), about $5,300 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 07712. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$34,356/yr

At $2,863/mo median

Location

CityOcean

StateNJ

CountyMonmouth County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (3.7% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+3.7% YoY, +0.7% MoM), not inventory.

Demographics

Who lives here

ZIP 07712 (Ocean, NJ) is roughly split between renters and owners, has a median income above the national average, 49% of residents hold a bachelor's degree or higher.

Population

40,194

Median income

$96,725

Median age

40.4

Renters

51.8%

Age distribution

19.1%

23.4%

26.3%

13%

18.2%

Under 1819.1%

18–3423.4%

35–5426.3%

55–6413%

65+18.2%

Gender

47.6%

52.4%

Male47.6%

Female52.4%

Race & ethnicity

58.6%

17.3%

18.6%

White58.6%

Black17.3%

Hispanic18.6%

Asian4.2%

Other1.3%

Education (25+)

20.7%

22.7%

49%

No HS diploma7.7%

HS diploma20.7%

Some college22.7%

Bachelor's+49%

Housing tenure

48.2%

51.8%

Owner48.2%

Renter51.8%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2022 vs 2026

How ZIP 07712 in Ocean, NJ has changed in 5 years

Rent

$2,324 → $2,863

up 23.2%

Income

$84,328 → $96,725

up 14.7%

Population

39,491 → 40,194

up 1.8%

Renter share

50.8% → 51.8%

+1.0 pts

Bachelor's+

45% → 49%

+4.0 pts

Median age

41.4 → 40.4

-1.0 yrs

Across the past five years, the going rent in ZIP 07712 in Ocean, NJ has shifted from $2,324 to $2,863, up 23.2% since 2022. Median household income climbed from $84,328 to $96,725 between 2021 and 2024, a 14.7% shift. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. Census counts show ZIP 07712 in Ocean, NJ adding about 703 residents over the five-year window, up 1.8% on net. Bachelor's-degree-or-higher attainment moved from 45% to 49% across the same window. Taken together, the five-year picture in ZIP 07712 in Ocean, NJ reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 07712

Last updated: October 17, 2026

ZIP code 07712 covers Ocean, NJ. The median rent here is $2,863/mo as of October 2026. A 1-bedroom rents for a median of $1,910/mo. A 2-bedroom rents for a median of $2,350/mo.

At 36% of local median household income ($96,725/yr), ZIP 07712 ranks as moderate compared to the national benchmark of 30%. Rents have increased 3.7% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 07712?

To keep rent at or below 30% of gross income, you would need to earn at least $115,000/year (about $55/hour full-time) to afford the median rent of $2,863/mo in ZIP 07712. The local median household income is $96,725/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 07712?

Rent in ZIP 07712 has risen 3.7% over the past year as of September 2026. It sits 0.6% below its high of $2,881 in June 2026.

How does ZIP 07712 compare to other ZIPs in New Jersey?

ZIP 07712 is one of the pricier among New Jersey ZIP codes for rent, ranking #55 of 209 at $2,863/mo. Over the year to September 2026, rent in ZIP 07712 changed +3.7%, against a typical +2.8% across the 149 New Jersey ZIP codes Zillow tracks.