| ZIP Code | 08514 |
|---|---|
| City | Cream Ridge |
| State | New Jersey (NJ) |
| County | Monmouth County |
| Area Code | 609/640 |
| Elevation | 137 ft |
| Latitude | 40.134245 |
|---|---|
| Longitude | -74.491732 |
| Timezone | New York (DST) |
| FIPS | 34025 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 40.6 yrs ↓ 17% since 2019 |
|---|---|
| Avg Household Size | 2.77 |
| Below Poverty | 7.1% ▼ 29% below avg |
| College Grads | 45.3% ▲ 17% above avg |
| Unemployment | 6.5% ▲ 33% above avg |
| No HS Diploma | 107 (3.2%) |
| HS Graduate | 1,027 (30.8%) |
| Some College | 251 (7.5%) |
| Associates | 440 (13.2%) |
| Bachelors | 207 (6.2%) |
| Graduate Degree | 1,306 (39.1%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $118,854 ▲ 56% above avg ↑ 18% since 2019 |
|---|---|
| Median Home Value | $508,000 ▲ 82% above avg ↑ 38% since 2019 |
| Home/Income Ratio | 4.3x (nat avg ~3.5x) |
| Median Rent | $1,440/mo ↑ 9% since 2019 |
| Total Units | 2,156 |
| Vacant Units | 256 |
| Avg HH Size | 2.77 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,156 |
|---|---|
| Vacant | 256 |
| Owner Occupied | 91.4% |
| Renter Occupied | 8.6% |
| Avg HH Size | 2.77 |
ZIP code 08514 is located in Cream Ridge, New Jersey, within Monmouth County. With a population of 5,270, this is a lightly populated ZIP code with a middle-aged community — the median age is 40.6 years. Economically, 08514 is a upper-middle-income ZIP code: the median household income of $118,854 is significantly above the national average.
Real estate in ZIP code 08514 represents a premium housing market. The median home value of $508,000 is significantly above the national average. Renters can expect to pay around $1,440 per month in median rent. Homeownership is strong here — 91.4% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 38% since 2019.
The population of 08514 is primarily White (86.81%). Residents are well-educated — 45.3% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 7.1%. Household income has grown by 18% since 2019.
The unemployment rate in 08514 stands at 6.5%, which is above the national average. About 15% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 75%.
Overall, ZIP code 08514 in Cream Ridge, NJ is characterized as upper-middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 5,270 residents, a median household income of $118,854, and a median home value of $508,000, it offers a clear picture of life in this part of New Jersey.