ZIP Code 08226 — Ocean City city, NJ Demographics & Data

ZIP code 08226 covers Ocean City, NJ in Cape May County with a population of about 11,260.

At a glance, the area shows median age of 57.3 versus a U.S. median of about 38.9.

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

Ocean City, NJ fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 08226 is about $101,782 — about 35% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.9%; unemployment rate near 3.0%; 54.7% of adults with a bachelor’s degree or higher (about 21.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Food services; about 15.9% 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 $719,100 — about 107% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,446 (about 24% above the U.S. median rent ($1,163)), and owner-occupancy near 72.4% (about 7.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08226 in Ocean City, NJ, a household would need roughly $198,000 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 $4,619. That is about 95% above the local median household income ($101,782), so the median earner would likely stretch or need a larger down payment. 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 Ocean City city, NJ as Relatively Moderate (composite score 91.0), which is among the highest nationally. The strongest component scores on US5 are hurricane (93.1) and flood (89.7). 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 Ocean City city, NJ show little to no average snow.

IRS migration statistics show a net inflow of about 725 for ZIP 08226 (Ocean City 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.