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Middlesex County · New Jersey

ZIP code 08832

Population, income, housing costs and the sales tax rate charged on purchases inside ZIP 08832 — Census 2019-2023 ACS 5-year, no modelled estimates.
Population
2,793

ZCTA residents

Median income
$65,948

Household, past 12 months

Median home
$328,100

Owner-occupied value

Sales tax
6.625%

New Jersey state rate

Quick answer

ZIP 08832 sits in Middlesex County, New Jersey and is home to 2,793 people. Median household income is $65,948, the median home is worth $328,100 and median gross rent is $1,643. 20.2% of households own their home, and purchases are taxed at 6.625% (New Jersey state rate).

County
Middlesex County

FIPS 34023

State
New Jersey (NJ)

598 ZIPs covered

Area codes
Not published

No NANPA match for this ZIP

Metro area
Outside covered metros

Rate jurisdiction used for tax

The numbers for 08832

American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.

Population
2,793ZIP 08832 residents
Median household income
$65,948Past 12 months, inflation adjusted
Median home value
$328,100Owner-occupied units
Median gross rent
$1,643Rent plus utilities, monthly
Median age
29 yrsAll residents
Homeownership rate
20.2%Owner-occupied households

ZIP 08832 in context

How this area compares with national benchmarks.

ZIP 08832 is a small town in Middlesex County, New Jersey, with 2,793 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #493 of 598 ranked by population — larger than 17% of them. The median age here is 29 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. 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 ZIP 08832 earn a median of $65,948 a year, 16% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 24.7% 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 08832 is valued at $328,100, 8.1% above the national figure, while median gross rent runs $1,643 a month, 16.9% above the national figure, or roughly $19,716 across a full year. A household on the local median income would put about 29.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 5×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 20.2% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 29 means a large student or early-career population; income medians in places like this understate household resources, since many residents are supported from outside the address.

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.

Reading ZIP 08832 in context

How 08832 sits inside Middlesex County and New Jersey.

ZIP 08832 is tabulated inside Middlesex County, New Jersey, one of 36 ZIP areas the Census publishes for that county and 598 across New Jersey. Population sits in the small-town band, typically one main street plus the addresses that feed into it. 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 08832 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 08832 reports a median household income of $65,948, 40% below the $109,238 county median, and 40% below the $109,182 typical NJ ZIP. Owner-occupied homes are valued at a median of $328,100, 21% below the county figure and 23% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,643 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 08832.

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 08832 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.

Sales tax in 08832

What a purchase inside this ZIP costs at checkout.

Rate applied
6.625%State base rate only
Tax on $100
$7Rounded to the dollar
Tax on $1,000
$66Before any exemptions

New Jersey levies 6.625% statewide with no local add-ons. Check the county page for the local component before you quote a price.

Affordability in this ZIP

Derived from the Census medians above — indicative, not an offer.

Rent burden
30%Median rent ÷ median income
Price-to-income
5.0×Home value ÷ household income
Est. mortgage
$1,702/mo20% down, 30-yr at 6.75%
Poverty rate
24.7%Residents below poverty line

A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.

How 08832 compares

ZIP 08832 against the median ZIP in Middlesex County and across New Jersey.

MeasureZIP 08832County medianState medianvs state
Median household income$65,948$109,238$109,182-40%
Median home value$328,100$415,200$423,950-23%
Median gross rent$1,643$1,881$1,718-4%
Population2,79319,55310,128-72%

Medians are computed across the 36 ZIP areas in Middlesex County and the 598 ZIP areas in New Jersey.

Statewide rank

Where this ZIP places among all 598 New Jersey ZIP areas.

Income

richer than 9% of 563 state ZIPs

#510
Home value

above 27% of 562 state ZIPs

#413
Population

larger than 18% of 598 state ZIPs

#493

Comparable ZIP codes

New Jersey ZIP areas with almost the same household income.

ZIPCountyIncomeHome valueRent
08332Cumberland County$65,825$195,900$1,223
08030Camden County$66,190$169,700$1,498
08638Mercer County$65,650$226,700$1,499
07514Passaic County$65,492$314,400$1,472
07087Hudson County$65,369$446,800$1,489
07504Passaic County$67,269$369,600$1,426

Nearby ZIP codes

Other ZIP codes filed under Middlesex County.

Adjacent ZIP Codes

Other ZIP codes in Middlesex County, New Jersey.

ZIP 08832 questions

Common questions about this ZIP code.

Where is ZIP code 08832?
ZIP 08832 lies mostly in Middlesex County, New Jersey. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
What sales tax do I pay in 08832?
New Jersey charges 6.625% statewide.
Is 08832 expensive to live in?
Median rent runs $1,643 a month, about 30% of median household income, and the median home is worth $328,100 — -23% against the typical New Jersey ZIP.
Is a ZCTA the same as a postal ZIP code?
Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.

Related pages for this area.

Sources & transparency

Every figure on this page is a published estimate for ZIP Code Tabulation Area 08832, except the affordability ratios and mortgage estimate, which we derive from those medians and label as estimates.

Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.