ZIP code 08721

ZIP 08721 is a mid-size town in Ocean County, New Jersey, with 22,464 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #149 of 598 ranked by population — larger than 75% of them. The median age here is 42.4 years against 39.1 nationally, a slightly older 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 08721 earn a median of $104,361 a year, 32.9% above the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 7.8% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 08721 is valued at $353,900, 16.6% above the national figure, while median gross rent runs $1,595 a month, 13.4% above the national figure, or roughly $19,140 across a full year. A household on the local median income would put about 18.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.4×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 85.1% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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 08721 is tabulated inside Ocean County, New Jersey, one of 29 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 08721 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 08721 reports a median household income of $104,361, 3% above the $101,648 county median, and 4% below the $109,182 typical NJ ZIP. Owner-occupied homes are valued at a median of $353,900, 9% below the county figure and 17% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,595 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 08721.

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 08721 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.