ZIP Code 08038 — Hancocks Bridge CDP, NJ Demographics & Data

ZIP code 08038 covers Hancocks Bridge, NJ in Salem County with a population of about 341.

At a glance, the area shows median age of 37.6 (near the U.S. median).

It sits in telephone area code 856; U.S. House district NJ-2; the PHILADELPHIA media market.

Median household income in ZIP 08038 is about $90,417 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.0%; unemployment rate near 5.6%; 10.6% of adults with a bachelor’s degree or higher (about 23.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Professional services; about 5.4% of workers reporting work-from-home (about 9.8 points below 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 $175,900 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,200 (about 3% above the U.S. median rent ($1,163)), and owner-occupancy near 61.6% (about 3.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08038 in Hancocks Bridge, NJ, a household would need roughly $48,000 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 $1,130. That sits below the local median household income ($90,417), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Hancocks Bridge CDP, NJ as Relatively Low (composite score 76.5), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (76.8) and flood (69.8). 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 Hancocks Bridge CDP, NJ show little to no average snow and around 47.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 22 for ZIP 08038 (Hancocks Bridge 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.