ZIP Code 08520 — Twin Rivers CDP, NJ Demographics & Data

ZIP code 08520 covers Twin Rivers, NJ in Mercer County with a population of about 29,321.

At a glance, the area shows median age of 40.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 609, 640; U.S. House district NJ-3; the PHILADELPHIA media market.

Median household income in ZIP 08520 is about $116,282 — about 55% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.5%; unemployment rate near 4.0%; 45.8% of adults with a bachelor’s degree or higher (about 12.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Manufacturing; about 18.0% of workers reporting work-from-home (about 2.8 points above 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 $361,800 — about 4% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,451 (about 25% above the U.S. median rent ($1,163)), and owner-occupancy near 69.3% (about 3.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08520 in Twin Rivers, NJ, a household would need roughly $100,000 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 $2,324. That sits below the local median household income ($116,282), 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 Twin Rivers CDP, NJ as Relatively High (composite score 95.4), which is among the highest nationally. The strongest component scores on US5 are flood (97.2) and hurricane (94.6). 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 Twin Rivers CDP, NJ show little to no average snow and around 47.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,887 for ZIP 08520 (Twin Rivers 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.