ZIP Code 07977 — Peapack and Gladstone borough, NJ Demographics & Data

ZIP code 07977 covers Peapack and Gladstone, NJ in Somerset County with a population of about 733.

At a glance, the area shows median age of 46.3 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.

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 61.8% of adults with a bachelor’s degree or higher (about 28.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Wholesale trade, and Information; about 22.7% of workers reporting work-from-home (about 7.5 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 $798,600 — about 129% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 61.8% (about 3.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 07977 in Peapack and Gladstone, NJ, a household would need roughly $220,000 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 $5,130. 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 Peapack and Gladstone borough, NJ as Relatively Moderate (composite score 90.9), which is among the highest nationally. The strongest component scores on US5 are flood (95.0) and hurricane (83.5). 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 Peapack and Gladstone borough, NJ show little to no average snow and around 45.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 47 for ZIP 07977 (Peapack and Gladstone 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.