ZIP Code 08312 — Clayton borough, NJ Demographics & Data

ZIP code 08312 covers Clayton, NJ in Gloucester County with a population of about 8,395.

At a glance, the area shows median age of 40.9 versus a U.S. median of about 38.9.

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

Median household income in ZIP 08312 is about $88,448 — about 18% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.4%; unemployment rate near 7.0%; 21.7% of adults with a bachelor’s degree or higher (about 12.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 7.6% of workers reporting work-from-home (about 7.6 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 $248,000 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,154 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 73.3% (about 7.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08312 in Clayton, NJ, a household would need roughly $68,000 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 $1,593. That sits below the local median household income ($88,448), 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 Clayton borough, NJ as Relatively Moderate (composite score 86.6), which is elevated versus much of the country. The strongest component scores on US5 are flood (87.9) and hurricane (83.7). 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 Clayton borough, NJ show little to no average snow.

IRS migration statistics show a net inflow of about 540 for ZIP 08312 (Clayton 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.