The 07027 ZIP Code is primarily associated with Garwood, NJ in Union County in the United States. The current population estimate is 4,338. In this New Jersey region, an estimated 41.3% have a bachelor's degree or higher, while the per capita income comes in at about $47,412. Median househould income in this ZIP sits at $88,892, and approximately 5% of the population lives below the poverty line. The median age in ZIP Code 07027 is approximately 38.7 years, and 17.0% of the region's residents are aged 62 years and older.
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The median household income in ZIP Code 07027 is $88,892, while the region's mean household income is $115,725. Breaking income down further, per capita income in the region is $47,412. The per capita income in ZIP Code 07027 of $47,412 is approximately 10.92% more than the per capita income in New Jersey overall of $42,745. An estimated 4.7% of the population is living below the poverty line in this region. This rate is approximately 50.53% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 19.0% of the population in 07027 earn $100,000 to $149,999 per year, while an estimated 18.9% earn $75,000 to $99,999 per year, and 1.3% of 07027 residents earn less than $10,000 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 1.3% |
| $10,000 to $14,999 per year | 3.0% |
| $15,000 to $24,999 per year | 5.2% |
| $25,000 to $34,999 per year | 2.3% |
| $35,000 to $49,999 per year | 7.7% |
| $50,000 to $74,999 per year | 16.8% |
| $75,000 to $99,999 per year | 18.9% |
| $100,000 to $149,999 per year | 19.0% |
| $150,000 to $199,999 per year | 15.5% |
| $200,000 or more per year | 10.3% |
In ZIP Code 07027, 94.5% of the population graduated high school, while 41.3% have a bachelor's degree or higher. In this region, 2.4% achieved an education level less than 9th grade, while 14.2% hold a graduate or professional degree. Approximately 28.5% in this Union County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 2.4% |
| 9th to 12th grade, no diploma | 3.1% |
| High school graduate (includes equivalency) | 28.5% |
| Some college, no degree | 18.0% |
| Associate's degree | 6.7% |
| Bachelor's degree | 27.1% |
| Graduate or professional degree | 14.2% |
Looking at race in the population that makes up ZIP Code 07027, 97.9% is one race, while 2.1% are two or more races. Approximately 13.6% of 07027 residents are hispanic or Latino (of any race). The most common race in 07027 (race alone or in combination with one or more other races), is White (92.2%), followed by Asian (5.5%) .
| Industry | Percent |
|---|---|
| White | 92.2% |
| Black or African American | 2.2% |
| American Indian and Alaska Native | 0.9% |
| Asian | 5.5% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 1.3% |
In ZIP Code 07027, 72.2% of the population lists "English only" as the language spoken in home, while 10.6% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 12.7% of homes, and other Indo-European languages are spoken in 2.8% of homes. Lastly, 1.7% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Union County region.
| Language Spoken | Percent |
|---|---|
| English only | 72.2% |
| Spanish | 10.6% |
| Other Indo-European languages | 12.7% |
| Asian and Pacific Islander languages | 2.8% |
| Other languages | 1.7% |
Regarding the age of homes in ZIP Code 07027, an estimated 27.8% of homes were built between 1950 and 1959. Additionally, 22.7% of homes in the region were built between 1940 and 1949, while an estimated 0.0% of homes were built between 2010 and 2013 in this Union County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.0% |
| Built between 2010 and 2013 | 0.0% |
| Built between 2000 and 2009 | 4.8% |
| Built between 1990 and 1999 | 1.2% |
| Built between 1980 and 1989 | 5.5% |
| Built between 1970 and 1979 | 9.3% |
| Built between 1960 and 1969 | 8.9% |
| Built between 1950 and 1959 | 27.8% |
| Built between 1940 and 1949 | 22.7% |
| Built in 1939 or earlier | 19.9% |
Residents of ZIP Code 07027 are older than average. The median age of 38.7 years in ZIP Code 07027 is approximately 1.57% higher than the overall median age in the U.S. of 38.1 years. About 82.0% of residents are aged 18 years and older, and 17.0% of residents are 62 years and over. Approximately 16.4% of the population in 07027 falls in the age group 35 to 44 years, while an estimated 15.6% are aged 25 to 34 years. On the low end of the scale, 2.3% of 07027 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 6.6% |
| 5 to 9 years | 5.6% |
| 10 to 14 years | 3.8% |
| 15 to 19 years | 4.4% |
| 20 to 24 years | 6.7% |
| 25 to 34 years | 15.6% |
| 35 to 44 years | 16.4% |
| 45 to 54 years | 14.1% |
| 55 to 59 years | 5.7% |
| 60 to 64 years | 6.2% |
| 65 to 74 years | 9.0% |
| 75 to 84 years | 3.4% |
| 85 years and over | 2.3% |
One of the leading chronic health issues in ZIP Code 07027 is high cholesterol, as an estimated 34.1% of adults aged 18 and older deal with this issue. Another chronic health issue of concern for residents of 07027 is high blood pressure, as approximately 25.9% of adults 18 and older in this Union County region contend with that issue.
| Health Issue | Percent of adults* |
|---|---|
| Arthritis | 22.2% |
| High blood pressure | 25.9% |
| Cancer (excluding skin cancer) | 7.2% |
| Current asthma | 8.9% |
| Coronary heart disease | 5.0% |
| Diagnosed diabetes | 7.6% |
| High cholesterol | 34.1% |
| Chronic kidney disease | 2.6% |
| Stroke | 2.4% |
One of the top preventative health measures in ZIP Code 07027 is current access to health insurance, as an estimated 91.6% of adults 18 and older take part in this preventive measure. Additionally, 89.7% of those 18 and above in 07027 list cholesterol screening, as a preventive measure. Common health risk behaviors in 07027 include sleeping less than 7 hours (32.0% of adults aged 18 and above) and obesity (24.9% of those 18 and older).
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 91.6% |
| Taking medicine for high blood pressure control | 77.7% |
| Visits to doctor for routine checkup | 75.9% |
| Cholesterol screening | 89.7% |
| Visits to dentist or dental clinic | 72.0% |
| Risk Behavior | Percent of adults* |
|---|---|
| Binge drinking | 18.7% |
| Current smoking | 12.1% |
| No leisure-time physical activity | 19.8% |
| Obesity | 24.9% |
| Sleeping less than 7 hours | 32.0% |
Regarding solar power potential, ZIP Code 07027 has an average daily solar radiation level of 4.93 kWh/m2/day. This is approximately 19.66% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 25.19% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 07027 | 14.88¢/kWh | 7.38¢/kWh | 4.74¢/kWh |
| New Jersey | 17.69¢/kWh | 13.75¢/kWh | 12.04¢/kWh |
| United States | 16.1¢/kWh | 12.81¢/kWh | 7.81¢/kWh |
| Month | ZIP Code 07027 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.63 | 1.9 | 5.84 |
| Feb | 4.86 | 3 | 6.31 |
| Mar | 5.2 | 3.65 | 7.02 |
| Apr | 5.62 | 5.13 | 7.3 |
| May | 5.48 | 5.17 | 7.13 |
| Jun | 5.55 | 5.72 | 6.95 |
| Jul | 5.8 | 6.22 | 6.51 |
| Aug | 5.67 | 6.08 | 6.65 |
| Sep | 5.53 | 5.15 | 7.02 |
| Oct | 4.53 | 3.32 | 6.92 |
| Nov | 3.94 | 2.33 | 5.99 |
| Dec | 3.3 | 1.78 | 5.46 |
In 07027, 71.5% of the population is in the labor force. Recent estimates place 3.0% as working from home, while the total labor force in the region has a mean travel to time to work of 29.3 minutes. Approximately 20.8% of the employed population 16 years and over in 07027 work in educational services, and health care and social assistance, while an estimated 13.6% work in retail trade. On the lower end of the scale, just 0.0% of 07027 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.0% |
| Construction | 7.9% |
| Manufacturing | 9.3% |
| Wholesale trade | 4.4% |
| Retail trade | 13.6% |
| Transportation and warehousing, and utilities | 6.2% |
| Information | 3.8% |
| Finance and insurance, and real estate and rental and leasing | 9.3% |
| Professional, scientific, management, and administrative | 9.5% |
| Educational services, and health care and social assistance | 20.8% |
| Arts, entertainment, and recreation, and accommodation and food services | 8.0% |
| Other services, except public administration | 2.9% |
| Public administration | 4.4% |
Regarding consumer complaints about financial products in ZIP Code 07027, credit reporting or credit repair services have received the most complaints in 07027 in the past 12 months. Debt collection received the second most complaints. The most frequent complaint overall in this Union County region was incorrect information on a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or credit repair services | 8 |
| Debt collection | 1 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Incorrect information on your report | 7 |
| Attempts to collect debt not owed | 1 |
| Problem with a credit reporting company's investigation | 1 |