ZIP Code 08869 — Raritan borough, NJ Demographics & Data

ZIP code 08869 covers Raritan, NJ in Somerset County with a population of about 8,192.

At a glance, the area shows median age of 43.1 versus a U.S. median of about 38.9.

It sits in telephone area code 908; U.S. House district NJ-7; the NEW YORK media market.

Median household income in ZIP 08869 is about $103,699 — about 38% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.0%; unemployment rate near 5.4%; 39.8% of adults with a bachelor’s degree or higher (about 6.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Food services; about 14.1% of workers reporting work-from-home (about 1.1 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 $449,200 — about 29% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,732 (about 49% above the U.S. median rent ($1,163)), and owner-occupancy near 53.4% (about 12.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08869 in Raritan, 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 $2,886. That is about 20% above the local median household income ($103,699), 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 Raritan borough, NJ as Relatively Moderate (composite score 90.9), which is among the highest nationally. The strongest component scores on US5 are flood (95.0) and hurricane (83.5). 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 Raritan borough, NJ show little to no average snow and around 46.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 527 for ZIP 08869 (Raritan 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.