ZIP Code 07109 — Silver Lake CDP, NJ Demographics & Data

ZIP code 07109 covers Silver Lake, NJ in Essex County with a population of about 37,785.

At a glance, the area shows median age of 41.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 862, 973; U.S. House district NJ-11; the NEW YORK media market.

Silver Lake, NJ sits in a university / college context (near eastwick college-nutley (1.5 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 07109 is about $90,164 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.3%; unemployment rate near 10.2%; 31.3% of adults with a bachelor’s degree or higher (about 2.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 6.2% of workers reporting work-from-home (about 9.0 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 $405,500 — about 16% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,444 (about 24% above the U.S. median rent ($1,163)), and owner-occupancy near 56.4% (about 9.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07109 in Silver Lake, NJ, a household would need roughly $112,000 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 $2,605. That is about 24% above the local median household income ($90,164), 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 Silver Lake CDP, NJ as Relatively High (composite score 97.7), which is among the highest nationally. The strongest component scores on US5 are flood (98.8) and hurricane (91.8). 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 Silver Lake CDP, NJ show little to no average snow and around 50.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,432 for ZIP 07109 (Silver Lake 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.