ZIP Code 08212 — Cape May Point borough, NJ Demographics & Data

ZIP code 08212 covers Cape May Point, NJ in Cape May County with a population of about 155.

At a glance, the area shows median age of 70.9 versus a U.S. median of about 38.9.

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

Cape May Point, NJ fits a retirement-oriented profile (high share of residents 65+ (76.1%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 08212 is about $88,333 — about 18% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.3%; unemployment rate near 0.0%; 60.6% of adults with a bachelor’s degree or higher (about 26.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Finance and insurance, and Food services; about 11.3% of workers reporting work-from-home (about 3.9 points below the U.S. share (15.2%)); a mean commute of about 55.0 minutes (U.S. average near 26.8).

Median home value is about $987,200 — about 184% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08212 in Cape May Point, NJ, a household would need roughly $272,000 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 $6,342. That is about 208% above the local median household income ($88,333), 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 Cape May Point borough, NJ as Relatively Moderate (composite score 91.0), which is among the highest nationally. The strongest component scores on US5 are hurricane (93.1) and flood (89.7). 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 Cape May Point borough, NJ show little to no average snow and around 43.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 08212 (Cape May Point 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.