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 Moderate-density area
- $134,038
- Median income Above-median income area
- $580,900
- Median home value Above-median home value
- 44.2%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 08514 (Cream Ridge, NJ) rose +11.0% from 2023 to 2024. The all-transactions index moved from 225.9 in 2023 to 250.8 in 2024 (2000 = 100).
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 average New Jersey ZIP), while per-capita income is $60,373. The poverty rate is 7.6%, with unemployment at 5.0%; those measures add context to the income figure. Median home value is $580,900 (12% above the average New Jersey ZIP) and median rent is $1,444; 90.0% of occupied homes 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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Monmouth County, so 08514 can be compared with both its immediate and county-level context.
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.
- Construction
Construction
20 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
18 establishments
- Retail trade
Retail trade
15 establishments
- Accommodation and food services
Accommodation and food services
14 establishments
- Other services (except public administration)
Other services (except public administration)
8 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, 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
Who lives in ZIP 08514?
41.5
Median Age
47.6%
Male
52.4%
Female
8.4%
Foreign-Born
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 ZIP avg
$60,373
Per Capita Income
7.6%
Poverty Rate
5.0%
Unemployment Rate
34.0 min
Mean Commute Time
How ZIP 08514 ranks among New Jersey ZIPs
Cream Ridge, NJ household income vs. every New Jersey ZIP code
Median household income among 565 reporting New Jersey ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$134,038 Top 31% higher than 69% of 565 New Jersey ZIPs
Each bar is a $20K-wide band; taller bars hold more New Jersey 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
1,986housing units
1,986
Total Housing Units
1,744
Occupied Units
242
Vacant Units
2.82
Avg Household Size
Occupancy Type
$580,900
Median Home Value
+12% vs state ZIP avg
$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.
- 08520
Hightstown (08520)
27,869 residents
- 08691
Trenton (08691)
15,104 residents
- 08533 6,945
New Egypt (08533)
6,945 residents
- 08501 6,582
Allentown (08501)
6,582 residents
- 08535 5,385
Millstone Township (08535)
5,385 residents
- 08562 5,371
Wrightstown (08562)
5,371 residents
- 08510 5,231
Millstone Township (08510)
5,231 residents
- 08515 4,637
Chesterfield (08515)
4,637 residents
- 08514 4,477
Cream Ridge (08514)
4,477 residents
What this shows Among its immediate neighbors, ZIP 08514 ranks #9 by population - useful context the national average alone can't give.
ZIP 08514 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 08510
Millstone Township (08510)
$225,966 median income
- 08535
Millstone Township (08535)
$209,732 median income
- 08515
Chesterfield (08515)
$208,836 median income
- 08501
Allentown (08501)
$146,182 median income
- 08514
Cream Ridge (08514)
$134,038 median income
- 08691
Trenton (08691)
$132,520 median income
- 08520
Hightstown (08520)
$118,010 median income
- 08533
New Egypt (08533)
$113,583 median income
- 08555
Roosevelt (08555)
$110,000 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 08514, both outside NJ so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (4,477 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Monmouth County
Related Areas
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.
Related
Take this with you
What to do with ZIP 08514's numbers, next.
- See how ZIP 08514 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cream Ridge, NJ ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.