ZIP Code 08514 — Cream Ridge CDP, NJ Demographics & Data

ZIP code 08514 covers Cream Ridge, NJ in Monmouth County with a population of about 5,270.

At a glance, the area shows median age of 40.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 609, 640; U.S. House district NJ-3; the NEW YORK media market.

Median household income in ZIP 08514 is about $118,854 — about 58% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.2%; unemployment rate near 6.5%; 40.4% of adults with a bachelor’s degree or higher (about 6.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Manufacturing, and Education; about 14.7% 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 $508,000 — about 46% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,440 (about 24% above the U.S. median rent ($1,163)), and owner-occupancy near 91.4% (about 26.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08514 in Cream Ridge, NJ, a household would need roughly $140,000 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 $3,263. That is about 18% above the local median household income ($118,854), 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 Cream Ridge CDP, NJ as Relatively High (composite score 96.3), which is among the highest nationally. The strongest component scores on US5 are flood (95.8) and hurricane (93.1). 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 Cream Ridge CDP, NJ show little to no average snow and around 47.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 339 for ZIP 08514 (Cream Ridge 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.