ZIP Code 07871 — Lake Mohawk CDP, NJ Demographics & Data

ZIP code 07871 covers Lake Mohawk, NJ in Sussex County with a population of about 21,167.

At a glance, the area shows median age of 42.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 862, 973; U.S. House district NJ-7; the NEW YORK media market.

Lake Mohawk, NJ ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$167,443)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 07871 is about $167,443 — about 123% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.1%; unemployment rate near 4.3%; 62.4% of adults with a bachelor’s degree or higher (about 28.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Professional services; about 19.7% of workers reporting work-from-home (about 4.5 points above 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 $462,900 — about 33% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,673 (about 44% above the U.S. median rent ($1,163)), and owner-occupancy near 90.6% (about 25.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07871 in Lake Mohawk, NJ, a household would need roughly $127,000 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 $2,974. That sits below the local median household income ($167,443), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Lake Mohawk CDP, NJ as Relatively Low (composite score 77.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (77.3) and hurricane (71.5). 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 Lake Mohawk CDP, NJ show little to no average snow and around 48.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,362 for ZIP 07871 (Lake Mohawk 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.