ZIP Code 08087 — Mystic Island CDP, NJ Demographics & Data

ZIP code 08087 covers Mystic Island, NJ in Ocean County with a population of about 25,211.

At a glance, the area shows median age of 51.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 609, 640; U.S. House district NJ-2; the NEW YORK media market.

Median household income in ZIP 08087 is about $87,449 — about 16% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.7%; unemployment rate near 4.3%; 28.3% of adults with a bachelor’s degree or higher (about 5.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Education; about 11.1% of workers reporting work-from-home (about 4.1 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 $323,500 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,428 (about 23% above the U.S. median rent ($1,163)), and owner-occupancy near 82.9% (about 17.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08087 in Mystic Island, NJ, a household would need roughly $89,000 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 $2,078. That is roughly in line with the local median household income ($87,449). 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 Mystic Island CDP, NJ as Relatively High (composite score 96.2), which is among the highest nationally. The strongest component scores on US5 are flood (96.7) and wildfire (95.2). 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 Mystic Island CDP, NJ show little to no average snow and around 41.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,623 for ZIP 08087 (Mystic Island 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.