ZIP Code 08109 — Merchantville borough, NJ Demographics & Data

ZIP code 08109 covers Merchantville, NJ in Camden County with a population of about 24,004.

At a glance, the area shows median age of 40.3 (near the U.S. median).

It sits in telephone area code 856; U.S. House district NJ-1; the PHILADELPHIA media market.

Merchantville, NJ sits in a university / college context (near american institute-cherry hill (2.0 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 08109 is about $84,332 — about 12% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.3%; unemployment rate near 8.9%; 26.8% of adults with a bachelor’s degree or higher (about 6.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Manufacturing; about 14.8% 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 $227,200 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,033 (about 11% below the U.S. median rent ($1,163)), and owner-occupancy near 72.4% (about 7.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08109 in Merchantville, NJ, a household would need roughly $63,000 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 $1,459. That sits below the local median household income ($84,332), 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 Merchantville borough, NJ as Relatively Moderate (composite score 93.2), which is among the highest nationally. The strongest component scores on US5 are flood (95.6) and hurricane (88.5). 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 Merchantville borough, NJ show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,545 for ZIP 08109 (Merchantville 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.