ZIP code 08103

ZIP 08103 is a mid-size town in Camden County, New Jersey, with 13,137 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #247 of 598 ranked by population — larger than 58% of them. The median age here is 36.2 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 08103 earn a median of $37,563 a year, 52.2% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 30.1% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 08103 is valued at $103,800, 65.8% below the national figure, while median gross rent runs $1,203 a month, 14.4% below the national figure, or roughly $14,436 across a full year. A household on the local median income would put about 38.4% 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 2.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 33.3% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

ZIP 08103 is the unusual combination of expensive to rent and cheap to buy: rent takes 38.4% of median income while homes cost only 2.8× it. Where that pattern shows up, the gap is normally down to down-payment and credit barriers rather than price.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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.

ZIP 08103 is tabulated inside Camden County, New Jersey, one of 34 ZIP areas the Census publishes for that county and 598 across New Jersey. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 08103 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 08103 reports a median household income of $37,563, 60% below the $95,038 county median, and 66% below the $109,182 typical NJ ZIP. Owner-occupied homes are valued at a median of $103,800, 58% below the county figure and 76% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,203 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New Jersey charges 6.625% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 08103.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 08103 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.