ZIP Code 08741 — Pine Beach borough, NJ Demographics & Data

ZIP code 08741 covers Pine Beach, NJ in Ocean County with a population of about 2,769.

At a glance, the area shows median age of 53.0 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.

Pine Beach, NJ matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 08741 is about $140,034 — about 86% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.0%; unemployment rate near 4.6%; 50.0% of adults with a bachelor’s degree or higher (about 16.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Education; about 10.7% of workers reporting work-from-home (about 4.5 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 $449,900 — about 29% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $988 (about 15% below the U.S. median rent ($1,163)), and owner-occupancy near 96.8% (about 31.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08741 in Pine Beach, NJ, a household would need roughly $124,000 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 $2,890. That sits below the local median household income ($140,034), 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 Pine Beach 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 Pine Beach 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 178 for ZIP 08741 (Pine Beach 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.