Area Code 732

New Jersey

Area code 732 serves New Jersey, primarily Toms River, in the Eastern Time (ET) time zone. It has served the region since 01-Jun-1997.

Published: February 17, 2026Verified against NANPA and FCC records

Overlay Area Code

This area code shares its geographic footprint with an overlay code, so the same cities are served by two area codes. Because overlays leave existing numbers untouched, this region's relief planning favors adding codes over redrawing boundaries.

The codes serving this same region: area code 848 (Toms River).

With prefix utilization already at 97.4%, numbering resources here are under sustained pressure — context that explains why overlays were introduced.

In service since: 01-Jun-1997

Learn more about overlay and split area codes →

Demographics & Economics

Total Population: 2,287,580
Population Density: 1,564 people/sq mi
above U.S. average (U.S.: 95 people/sq mi)
Median Household Income: $111,549
above U.S. median (U.S.: $80,734)
Poverty Rate: 8.2%
below U.S. average (U.S.: 12.5%)
Unemployment Rate: 5.9%
above U.S. average (U.S.: 5.2%)
Education Attainment: Bachelor's Degree+
45.1%
above U.S. average (U.S.: 35.7%)
High School or Lower
28.2%

Statistics are population-weighted aggregations from Census ACS 5-year estimates. Population figures are approximate — see Sources & Methodology for details on how area code populations are derived.

See how this area code compares to all US area codes in the income ranking and density ranking.

Time Zone

Eastern Time (ET)

NANPA Relief Status

According to the latest NANPA analysis (July 2026), this area code is not currently listed as exhausting within the next 36 months. No relief planning is in progress for this NPA.

Source: NANPA NPA Relief Planning Reports · See all relief planning statuses

Current Time

Eastern Time (ET)

Prefix Utilization

Geographic Coverage

State

Major Cities

Toms River
Lakewood
New Brunswick
Perth Amboy
Sayreville
Long Branch
Rahway
Old Bridge
Carteret
South Plainfield
Somerset
North Plainfield
Woodbridge
Tinton Falls
Point Pleasant
Iselin
Colonia
Avenel
South River
Asbury Park
Metuchen
Highland Park
Fairview
Middlesex

and 128 more cities

Area Code 732 geographic coverage map (light mode)

Demographics

The estimated population served by area code 732 is approximately 2,287,580. The population density is 1,564 people per square mile, which is higher than the national average of 95. The median household income is $111,549, which is higher than the national median of $80,734. Approximately 45.1% of adults hold a bachelor's degree or higher, compared to the national rate of 35.7%. This rate is higher than the national average. The poverty rate stands at 8.2%, which is lower than the national rate of 12.5%.

History

Area code 732 was established in 1997 as a geographic area code. It shares its territory with area code area code 848.

County Coverage

Population-weighted county share based on aggregated ZCTA population (100% = total mapped population for area code 732).

County	Population	Share
Middlesex, NJ	896,638	39.2%
Monmouth, NJ	683,641	29.9%
Ocean, NJ	511,414	22.4%
Somerset, NJ	102,262	4.5%
Union, NJ	59,335	2.6%
Burlington, NJ	34,290	1.5%

Area Code 732 Family Tree

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Total Codes

Splits

Overlays

Max Depth

All Descendants

Code ▲	State	Type	In Service	Parent
848	NJ	overlay	29-Dec-2001	732

Area code 732 was originally assigned in 01-Jun-1997 to serve NJ. Over the years, it has generated 1 descendant area code through a combination of geographic splits and overlays as demand for telephone numbers grew.