ZIP Code 08876 — Somerville borough, NJ Demographics & Data

ZIP code 08876 covers Somerville, NJ in Somerset County with a population of about 22,902.

At a glance, the area shows median age of 39.7 (near the U.S. median).

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

Somerville, NJ sits in a university / college context (near raritan valley community college (1.4 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 08876 is about $120,823 — about 61% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.6%; unemployment rate near 4.8%; 56.3% of adults with a bachelor’s degree or higher (about 22.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 17.0% of workers reporting work-from-home (about 1.8 points above 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 $468,400 — about 35% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,658 (about 43% above the U.S. median rent ($1,163)), and owner-occupancy near 63.1% (about 2.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08876 in Somerville, NJ, a household would need roughly $129,000 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 $3,009. That is roughly in line with the local median household income ($120,823). 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 Somerville 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 Somerville borough, NJ show little to no average snow and around 46.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,474 for ZIP 08876 (Somerville 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.