Residential delivery area · New Jersey
ZIP Code 08514: Cream Ridge, NJ
ZIP code 08514 uses the postal name Cream Ridge, New Jersey and lies mostly in Monmouth County (76% of its land) with the rest in Ocean County (Census 2020 ZIP-county file). About 4,900 people live there (Census Bureau, ACS 2020-2024). Median household income is $134,038 (Census Bureau, ACS 2020-2024). By Census place, 11% of its land lies in Cream Ridge (a census-designated place); 89% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Cream Ridge · its only residential ZIP
- County
- Monmouth County (76%); Ocean County (24%)
- Census places
- Cream Ridge census-designated place
- Metro area
- New York-Newark-Jersey City, NY-NJ
- House districts
- NJ-3 (76%), NJ-4 (24%) 119th Congress, by share of land
- State
- New Jersey
- Time zone
- Eastern
- Land area
- 27.3 sq mi · 180 people per sq mi
Where is ZIP code 08514?
08514 centers on 40.134°, -74.492° and covers 27.3 square miles of land plus 0.5 of water. It borders 5 ZIP codes: 08501, 08510, 08527, 08562, 08533.
The map draws ZIP code areas only. For the streets inside 08514, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 08514 compare with the rest of Monmouth County?
| Measure | 08514 | In Monmouth County | In NJ |
|---|---|---|---|
| People (ACS 2020-2024) | 4,917 | 37th of 52 | 428th of 598 |
| Median household income | $134k | 17th of 40 | 147th of 476 |
| Median home value | $581k | 32nd of 48 | 158th of 515 |
Its median household income is higher than in 94% of U.S. residential ZIP codes, and it is denser than 61% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 08514?
The 2020 Census counted 4,715 people in 08514; the ACS, which samples households over 2020-2024, estimates 4,917. Between the 2010 and 2020 censuses its population grew 5.3% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 4,917±914 (90% margin)
- 2020 Census count
- 4,715+5.3% since 2010 (4,477)
- Households
- 1,744
- Median age
- 41.5
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 08514?
Of the 4,917 people the ACS estimates in 08514, 23.7% are under 18 and 21.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (85.1%).
- Under 1823.7%
- 18 to 6454.9%
- 65 and older21.4%
- White, not Hispanic85.1%
- Asian, not Hispanic7.5%
- Hispanic or Latino4.5%
- Other or two or more1.6%
- Black, not Hispanic1.3%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 08514 earn?
Median household income is $134,038 (ACS 2020-2024), the 17th highest of the 40 ranked ZIP codes in Monmouth County. It is not measurably different from 2015-2019 ($123,657 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $134,038±$22,427
- Income per person
- $60,373
- Below the poverty line
- 7.6%
- Unemployed (of the labor force)
- 5.1%
- Adults 25+ with a bachelor's degree
- 44.2%
- Adjusted gross income per tax return, 2022
- $126,8802,340 returns; wages 68% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 08514?
FHFA's house price index for 08514, built from repeat sales and appraisals of the same homes, rose 74% from 2015 to 2025 and rose 62% from 2020 to 2025, and moved −0.2% in 2025.
- Median home value (owners' estimate)
- $580,900
- Median gross rent
- $1,444
- Homes owned by their occupants
- 90.0%
- Housing units
- 1,986
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 08514?
121 business establishments had a location in this ZIP code in 2023, 2 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction20
- Professional, scientific, and technical services18
- Retail trade15
- Accommodation and food services14
- Other services (except public administration)8
- Administrative and support and waste management and remediation services7
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 08514?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 08501 | Allentown | 6,364 | $146k | 3.9 mi |
| 08510 | Millstone Township | 5,386 | $226k | 5.1 mi |
| 08527 | Jackson | 58,991 | $116k | 7.3 mi |
| 08562 | Wrightstown | 4,201 | $104k | 7.3 mi |
| 08533 | New Egypt | 7,563 | $114k | 8.2 mi |
| 08555 | Roosevelt | 996 | $110k | 6.1 mi (near) |
| 08511 | Cookstown | 976 | $81k | 6.9 mi (near) |
| 08535 | Millstone Township | 4,999 | $210k | 7.4 mi (near) |
| 08691 | Trenton | 16,607 | $133k | 7.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.