ZIP Code 07739 — Little Silver borough, NJ Demographics & Data

ZIP code 07739 covers Little Silver, NJ in Monmouth County with a population of about 6,096.

At a glance, the area shows median age of 46.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 732, 848; U.S. House district NJ-6; the NEW YORK media market.

Little Silver, NJ aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 07739 is about $220,746 — about 194% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.4%; unemployment rate near 3.1%; 79.8% of adults with a bachelor’s degree or higher (about 46.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Finance and insurance, and Education; about 26.7% of workers reporting work-from-home (about 11.5 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 $870,700 — about 150% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $3,501 (about 201% above the U.S. median rent ($1,163)), and owner-occupancy near 95.7% (about 30.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07739 in Little Silver, NJ, a household would need roughly $240,000 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 $5,593. That is roughly in line with the local median household income ($220,746). 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 Little Silver borough, 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 Little Silver borough, NJ show little to no average snow and around 52.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 392 for ZIP 07739 (Little Silver borough, 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.