ZIP Code 08092 — undefined, NJ Demographics & Data

ZIP code 08092 covers NJ in Ocean County with a population of about 3,182.

At a glance, the area shows median age of 41.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 609, 640; U.S. House district NJ-2; the NEW YORK media market.

Median household income in ZIP 08092 is about $97,058 — about 29% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.6%; unemployment rate near 4.0%; 35.7% of adults with a bachelor’s degree or higher (about 2.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Retail trade, and Construction; about 10.8% of workers reporting work-from-home (about 4.4 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 $473,600 — about 36% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,208 (about 4% above the U.S. median rent ($1,163)), and owner-occupancy near 83.3% (about 17.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08092 in NJ, a household would need roughly $130,000 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 $3,042. That is about 34% above the local median household income ($97,058), so the median earner would likely stretch or need a larger down payment. 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 NJ as Relatively High (composite score 96.2), which is among the highest nationally. The strongest component scores on US5 are flood (96.7) and wildfire (95.2). 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 NJ show little to no average snow and around 41.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 205 for ZIP 08092 (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.