ZIP Code 07731 — Ramtown CDP, NJ Demographics & Data

ZIP code 07731 covers Ramtown, NJ in Monmouth County with a population of about 39,924.

At a glance, the area shows median age of 38.9 (near the U.S. median).

It sits in telephone area codes 732, 848; U.S. House district NJ-4; the NEW YORK media market.

Median household income in ZIP 07731 is about $130,064 — about 73% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.4%; unemployment rate near 4.7%; 41.9% of adults with a bachelor’s degree or higher (about 8.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; about 14.7% of workers reporting work-from-home (roughly in line with 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 $454,900 — about 31% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,376 (about 104% above the U.S. median rent ($1,163)), and owner-occupancy near 90.5% (about 25.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07731 in Ramtown, NJ, a household would need roughly $125,000 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 $2,922. That is roughly in line with the local median household income ($130,064). 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 Ramtown CDP, NJ as Relatively High (composite score 96.3), which is among the highest nationally. The strongest component scores on US5 are flood (95.8) and hurricane (93.1). 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 Ramtown CDP, NJ show little to no average snow and around 48.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,570 for ZIP 07731 (Ramtown 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.