ZIP Code 07735 — Union Beach borough, NJ Demographics & Data

ZIP code 07735 covers Union Beach, NJ in Monmouth County with a population of about 19,203.

At a glance, the area shows median age of 43.6 versus a U.S. median of about 38.9.

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

Union Beach, NJ matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 07735 is about $98,760 — about 31% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 6.9%; 32.5% of adults with a bachelor’s degree or higher (about 1.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Education; about 8.4% of workers reporting work-from-home (about 6.8 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 $384,700 — about 11% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,380 (about 19% above the U.S. median rent ($1,163)), and owner-occupancy near 76.3% (about 10.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07735 in Union Beach, NJ, a household would need roughly $106,000 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 $2,471. That is roughly in line with the local median household income ($98,760). 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 Union Beach borough, NJ as Relatively High (composite score 96.3), which is among the highest nationally. The strongest component scores on US5 are flood (95.8) and hurricane (93.1). 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 Union Beach borough, NJ show little to no average snow and around 48.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,236 for ZIP 07735 (Union Beach 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.