ZIP Code 08755 — Toms River CDP, NJ Demographics & Data

ZIP code 08755 covers Toms River, NJ in Ocean County with a population of about 29,266.

At a glance, the area shows median age of 40.1 (near the U.S. median).

It sits in telephone area codes 732, 848; U.S. House district NJ-4; the NEW YORK media market.

Toms River, NJ sits in a university / college context (near american institute-toms river (2.5 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 08755 is about $81,077 — about 8% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.7%; unemployment rate near 5.5%; 32.8% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 14.2% of workers reporting work-from-home (about 1.0 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 $379,600 — about 9% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,354 (about 16% above the U.S. median rent ($1,163)), and owner-occupancy near 81.4% (about 16.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08755 in Toms River, NJ, a household would need roughly $104,000 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 $2,438. That is about 28% above the local median household income ($81,077), 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 Toms River 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 Toms River CDP, NJ show little to no average snow and around 52.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,884 for ZIP 08755 (Toms River 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.