ZIP Code 07082 — Towaco CDP, NJ Demographics & Data

ZIP code 07082 covers Towaco, NJ in Morris County with a population of about 5,688.

At a glance, the area shows median age of 47.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 862, 973; U.S. House district NJ-11; the NEW YORK media market.

Towaco, NJ ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$194,464)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 07082 is about $194,464 — about 159% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.6%; unemployment rate near 4.2%; 72.9% of adults with a bachelor’s degree or higher (about 39.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Finance and insurance, and Healthcare; about 22.0% of workers reporting work-from-home (about 6.8 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 $686,800 — about 97% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,158 (about 86% above the U.S. median rent ($1,163)), and owner-occupancy near 95.0% (about 29.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07082 in Towaco, NJ, a household would need roughly $189,000 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 $4,412. That is roughly in line with the local median household income ($194,464). 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 Towaco CDP, NJ as Relatively Moderate (composite score 92.9), which is among the highest nationally. The strongest component scores on US5 are flood (96.3) and hurricane (85.2). 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 Towaco CDP, NJ show little to no average snow and around 49.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 366 for ZIP 07082 (Towaco 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.