The Ponds, NJ population, income and ZIP codes

The Ponds CDP is a very small community in New Jersey, with 995 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #553 of 700 ranked by population — larger than 21% of them. The median age here is 72.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in The Ponds CDP earn a median of $70,825 a year, 9.8% below the national figure of $78,538 and 34% below the $106,926 median for the 543 New Jersey cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 1.5% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in The Ponds CDP is valued at $338,800, 11.7% above the national figure and 18% below the $412,500 peer median, while median gross rent runs $1,781 a month, 26.7% above the national figure, or roughly $21,372 across a full year. A household on the local median income would put about 30.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 4.8×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 64.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

A median age of 72.7 puts The Ponds CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 995 residents, a handful of survey responses moves every median on this page. Compare The Ponds CDP against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.