ZIP Code 07865 — Port Murray CDP, NJ Demographics & Data

ZIP code 07865 covers Port Murray, NJ in Warren County with a population of about 3,284.

At a glance, the area shows median age of 33.9 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 07865 is about $108,881 — about 45% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.2%; unemployment rate near 8.1%; 42.1% of adults with a bachelor’s degree or higher (about 8.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Retail trade; about 12.8% of workers reporting work-from-home (about 2.4 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 $373,500 — about 7% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,443 (about 24% above the U.S. median rent ($1,163)), and owner-occupancy near 82.5% (about 17.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07865 in Port Murray, NJ, a household would need roughly $103,000 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 $2,399. That is roughly in line with the local median household income ($108,881). 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 Port Murray CDP, NJ as Relatively Low (composite score 80.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.5) and hurricane (79.9). 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 Port Murray CDP, NJ show little to no average snow and around 48.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 211 for ZIP 07865 (Port Murray 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.