ZIP Code 08812 — Dunellen borough, NJ Demographics & Data

ZIP code 08812 covers Dunellen, NJ in Somerset County with a population of about 14,177.

At a glance, the area shows median age of 42.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 732, 848, 908; U.S. House district NJ-7; the NEW YORK media market.

Median household income in ZIP 08812 is about $119,534 — about 59% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.3%; unemployment rate near 5.5%; 41.8% of adults with a bachelor’s degree or higher (about 8.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 12.9% of workers reporting work-from-home (about 2.3 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 $435,300 — about 25% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,490 (about 28% above the U.S. median rent ($1,163)), and owner-occupancy near 76.6% (about 11.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08812 in Dunellen, NJ, a household would need roughly $120,000 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 $2,796. That is roughly in line with the local median household income ($119,534). 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 Dunellen borough, NJ as Relatively Moderate (composite score 90.9), which is among the highest nationally. The strongest component scores on US5 are flood (95.0) and hurricane (83.5). 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 Dunellen borough, NJ show little to no average snow and around 48.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 913 for ZIP 08812 (Dunellen borough, 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.