ZIP Code 08221 — Linwood city, NJ Demographics & Data

ZIP code 08221 covers Linwood, NJ in Atlantic County with a population of about 6,954.

At a glance, the area shows median age of 45.8 versus a U.S. median of about 38.9.

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

Median household income in ZIP 08221 is about $135,904 — about 81% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.9%; unemployment rate near 7.2%; 58.6% of adults with a bachelor’s degree or higher (about 24.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Education; about 14.8% of workers reporting work-from-home (roughly in line with 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 $351,100 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,771 (about 52% above the U.S. median rent ($1,163)), and owner-occupancy near 90.0% (about 24.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08221 in Linwood, NJ, a household would need roughly $97,000 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 $2,255. That sits below the local median household income ($135,904), 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 Linwood city, NJ as Relatively Moderate (composite score 93.0), which is among the highest nationally. The strongest component scores on US5 are hurricane (95.8) and wildfire (94.3). 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 Linwood city, NJ show little to no average snow.

IRS migration statistics show a net inflow of about 448 for ZIP 08221 (Linwood city, 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.