ZIP Code 08846 — Middlesex borough, NJ Demographics & Data

ZIP code 08846 covers Middlesex, NJ in Middlesex County with a population of about 14,518.

At a glance, the area shows median age of 44.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 732, 848; U.S. House district NJ-12; the NEW YORK media market.

Middlesex, NJ sits in a university / college context (near strayer university-new jersey (1.9 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 08846 is about $107,063 — about 42% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.0%; unemployment rate near 4.7%; 34.5% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Professional services; about 9.1% of workers reporting work-from-home (about 6.1 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 $414,600 — about 19% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,319 (about 13% above the U.S. median rent ($1,163)), and owner-occupancy near 72.6% (about 7.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08846 in Middlesex, NJ, a household would need roughly $114,000 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 $2,663. That is roughly in line with the local median household income ($107,063). 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 Middlesex borough, 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 Middlesex borough, NJ show little to no average snow and around 48.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 935 for ZIP 08846 (Middlesex 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.