PlainZIP

Cream Ridge, NJ · standard

ZIP Code 08514

Monmouth County, New Jersey - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

4,477
66/sq mi
$134,038
Median income
$580,900
Median home value
44.2%
Bachelor's or higher

The verdict

Cream Ridge pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated area.

Top 6%
household income, US ZIPs
Top 10%
home value, US ZIPs
66
people per sq mi
90%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 08514 against every reporting US ZIP.

ZIP code 08514 covers 67.9 square miles in Cream Ridge, Monmouth County, New Jersey (a standard USPS delivery area), with a modest 4,477 residents on file, a density of 66 people per square mile, in the New York time zone.

ZIP 08514 skews affluent, with a median household income of $134,038 (10% above the New Jersey average), while per-capita income is $60,373. Local economic indicators show a 7.6% poverty rate alongside 5.0% unemployment. On housing, the median home value is $580,900 (12% above the state average) with median rent at $1,444 per month, and 90.0% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 44.2% of adults hold a bachelor's degree or higher, the median age is 41.5, and the average commute is 34 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 08514, plus 6 more within Monmouth County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 08514

Top 5 sectors by establishment count in Cream Ridge, NJ

Which industries have the most business establishments in ZIP 08514.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 08514, Cream Ridge, NJ · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

4,477

Population

67.9

Area (sq mi)

66

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 08514?

41.5

Median Age

47.6%

Male

52.4%

Female

8.4%

Foreign-Born

White 87.8%
African American 1.3%
Asian 7.5%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.0%
Hispanic or Latino 4.5%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$134,038

Median Household Income

+10% vs state

$60,373

Per Capita Income

7.6%

Poverty Rate

5.0%

Unemployment Rate

34.0 min

Mean Commute Time

How ZIP 08514 ranks nationally

Cream Ridge, NJ household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$134,038 Top 6% higher than 94% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 72.4%
Bachelor's Degree or Higher 44.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,986

Total Housing Units

1,744

Occupied Units

242

Vacant Units

2.82

Avg Household Size

Occupancy Type

Owner 90.0%
Renter 10.0%

$580,900

Median Home Value

+12% vs state

$1,444

Median Rent

1989

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+11.0%

YoY Change (2024)

251

HPI Index (2000 = 100)

+151%

Total Change Since 2000

Home values in ZIP 08514 have increased 11.0% over the past year (2024). Since 2000, this ZIP has seen +151% cumulative appreciation.

Year Annual Change HPI Index
2020 -1.4% 155
2021 +15.4% 179
2022 +15.6% 207
2023 +9.1% 226
2024 +11.0% 251

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 121 business establishments in ZIP 08514, employing approximately 1,086 people with a combined annual payroll of $58,841,000.

121

Businesses

1,086

Employees

$58.8M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Construction 20 16.5%
Professional, scientific, and technical services 18 14.9%
Retail trade 15 12.4%
Accommodation and food services 14 11.6%
Other services (except public administration) 8 6.6%
Administrative and support and waste management and remediation services 7 5.8%
Wholesale trade 6 5.0%
Real estate and rental and leasing 6 5.0%
Health care and social assistance 6 5.0%
Manufacturing 5 4.1%
Transportation and warehousing 5 4.1%
Arts, entertainment, and recreation 5 4.1%
Finance and insurance 3 2.5%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 08514 vs 08533 →

ZIP 08514 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 08514 ranks #9 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 08514 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 08514 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
08533 New Egypt, NJ 6,945 4.3 mi
08501 Allentown, NJ 6,582 3.4 mi
08555 Roosevelt, NJ 877 6.1 mi
08510 Millstone Township, NJ 5,231 5.6 mi
08511 Cookstown, NJ 826 6.9 mi
08520 Hightstown, NJ 27,869 8.6 mi
08535 Millstone Township, NJ 5,385 7.7 mi
08562 Wrightstown, NJ 5,371 6.9 mi
08515 Chesterfield, NJ 4,637 8.0 mi
08691 Trenton, NJ 15,104 7.4 mi

More ZIP Codes in Monmouth County

07728 standard
Freehold, NJ
Pop: 56,257
07726 standard
Englishtown, NJ
Pop: 42,508
07712 standard
Asbury Park, NJ
Pop: 39,158
07731 standard
Howell, NJ
Pop: 38,304
07753 standard
Neptune, NJ
Pop: 37,554
07740 standard
Long Branch, NJ
Pop: 31,038

Related Areas

Monmouth County Cream Ridge, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 08514 in? ▼
ZIP code 08514 (Cream Ridge) is located in Monmouth County, New Jersey. Monmouth County contains multiple ZIP codes, see the full list at /counties/monmouth-nj.
What is the population of ZIP code 08514? ▼
ZIP code 08514 in Cream Ridge, NJ has a population of 4,477 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 08514? ▼
The median household income in ZIP 08514 is $134,038, which is 76% above the national average of $76,288.
What is the average home value in ZIP 08514? ▼
The median home value in ZIP 08514 is $580,900, which is 109% above the national average of $278,155.
What is the demographic makeup of ZIP 08514? ▼
The largest racial group in ZIP 08514 is White at 87.8%. Hispanic or Latino residents make up 4.5% of the population.
How many businesses are in ZIP code 08514? ▼
ZIP code 08514 has 121 business establishments employing approximately 1,086 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 08514? ▼
The top industries by establishment count in ZIP 08514 are: Construction (20), Professional, scientific, and technical services (18), Retail trade (15). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 08514? ▼
According to the FHFA House Price Index, home values in ZIP 08514 increased by 11.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 151%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 08514? ▼
In ZIP code 08514, 72.4% of residents aged 25+ have a high school diploma or higher, and 44.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 08514? ▼
The mean commute time for workers in ZIP code 08514 is 34.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 08514? ▼
In ZIP code 08514, approximately 90.0% of occupied housing units are owner-occupied and 10.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 08514? ▼
The poverty rate in ZIP code 08514 is 7.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.