ZIP Code 08535 — undefined, NJ Demographics & Data

ZIP code 08535 covers NJ in Monmouth County with a population of about 4,971.

At a glance, the area shows median age of 47.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 609, 640, 732, 848; U.S. House district NJ-3; the NEW YORK media market.

NJ ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$195,278)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 08535 is about $195,278 — about 160% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.8%; unemployment rate near 0.8%; 57.0% of adults with a bachelor’s degree or higher (about 23.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Education, and Construction; about 18.6% of workers reporting work-from-home (about 3.4 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 $684,200 — about 97% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,791 (about 54% above the U.S. median rent ($1,163)), and owner-occupancy near 86.6% (about 21.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08535 in NJ, a household would need roughly $188,000 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 $4,395. That is roughly in line with the local median household income ($195,278). 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 96.3), which is among the highest nationally. The strongest component scores on US5 are flood (95.8) and hurricane (93.1). 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 47.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 320 for ZIP 08535 (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.