ZIP Code 08738 — Mantoloking borough, NJ Demographics & Data

ZIP code 08738 covers Mantoloking, NJ in Ocean County with a population of about 1,371.

At a glance, the area shows median age of 58.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 732, 848; U.S. House district NJ-4; the NEW YORK media market.

Mantoloking, NJ aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 08738 is about $218,667 — about 191% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.5%; unemployment rate near 5.8%; 70.8% of adults with a bachelor’s degree or higher (about 37.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Administrative support, Professional services, and Finance and insurance; about 33.1% of workers reporting work-from-home (about 17.9 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 $1,418,600 — about 308% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.5% (about 31.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08738 in Mantoloking, NJ, a household would need roughly $391,000 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 $9,113. That is about 79% above the local median household income ($218,667), 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 Mantoloking borough, NJ as Relatively High (composite score 96.2), which is among the highest nationally. The strongest component scores on US5 are flood (96.7) and wildfire (95.2). 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 Mantoloking borough, NJ show little to no average snow and around 52.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 88 for ZIP 08738 (Mantoloking 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.