ZIP Code 08817 — Rutgers University-Livingston Campus CDP, NJ Demographics & Data

ZIP code 08817 covers Rutgers University-Livingston Campus, NJ in Middlesex County with a population of about 47,924.

At a glance, the area shows median age of 38.1 (near the U.S. median).

It sits in telephone area codes 732, 848; U.S. House district NJ-6; the NEW YORK media market.

Rutgers University-Livingston Campus, NJ sits in a university / college context (near rabbi jacob joseph school (1.0 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 08817 is about $109,734 — about 46% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.1%; unemployment rate near 7.0%; 48.5% of adults with a bachelor’s degree or higher (about 14.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Retail trade; about 16.1% of workers reporting work-from-home (roughly in line with 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 $411,100 — about 18% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,779 (about 53% above the U.S. median rent ($1,163)), and owner-occupancy near 53.9% (about 11.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08817 in Rutgers University-Livingston Campus, NJ, a household would need roughly $113,000 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 $2,641. That is roughly in line with the local median household income ($109,734). 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 Rutgers University-Livingston Campus CDP, NJ as Relatively High (composite score 97.8), which is among the highest nationally. The strongest component scores on US5 are flood (98.9) and hurricane (92.6). 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 Rutgers University-Livingston Campus CDP, NJ show little to no average snow and around 49.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3,085 for ZIP 08817 (Rutgers University-Livingston Campus 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.