PlainZIP

Island Heights, NJ · standard

ZIP Code 08732

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

1,484
1,058/sq mi
$110,000
Median income
$561,200
Median home value
53.9%
Bachelor's or higher

The verdict

Island Heights pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 13%
household income, US ZIPs
Top 11%
home value, US ZIPs
1,058
people per sq mi
95%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 08732 against every reporting US ZIP.

ZIP code 08732 is a sparsely populated ZIP (a standard USPS delivery area) in Island Heights, Ocean County, New Jersey, home to just 1,484 residents across 1.4 square miles, a density of 1,058 people per square mile, in the New York time zone.

ZIP 08732 skews affluent, with a median household income of $110,000 (10% below the New Jersey average), while per-capita income is $71,870. 1.5% of residents live below the poverty line, and the unemployment rate reads 2.3%. The typical home here is valued at $561,200 (9% above the state average); renters pay a median of $1,750 monthly, and 94.6% of units are owner-occupied.

This is a highly-educated ZIP: 53.9% of adults hold a bachelor's degree or higher, the median age is 53.7, and the average commute is 28 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 08732, plus 6 more within Ocean 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 08732

Top 5 sectors by establishment count in Island Heights, NJ

Which industries have the most business establishments in ZIP 08732.

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 08732, Island Heights, 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

1,484

Population

1.4

Area (sq mi)

1,058

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 08732?

53.7

Median Age

48.2%

Male

51.8%

Female

2.7%

Foreign-Born

White 93.7%
African American 2.3%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.6%
Hispanic or Latino 3.2%

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?

$110,000

Median Household Income

-10% vs state

$71,870

Per Capita Income

1.5%

Poverty Rate

2.3%

Unemployment Rate

28.3 min

Mean Commute Time

How ZIP 08732 ranks nationally

Island Heights, NJ household income vs. every US ZIP code

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

$110,000 Top 13% higher than 87% 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%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $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 78.4%
Bachelor's Degree or Higher 53.9%

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

What does housing look like?

783

Total Housing Units

708

Occupied Units

75

Vacant Units

2.20

Avg Household Size

Occupancy Type

Owner 94.6%
Renter 5.4%

$561,200

Median Home Value

+9% vs state

$1,750

Median Rent

1954

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

-0.7%

YoY Change (2024)

315

HPI Index (2000 = 100)

+215%

Total Change Since 2000

Home values in ZIP 08732 have decreased 0.7% over the past year (2024). Since 2000, this ZIP has seen +215% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.6% 193
2021 +8.1% 209
2022 +21.9% 255
2023 +24.7% 317
2024 -0.7% 315

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 41 business establishments in ZIP 08732, employing approximately 231 people with a combined annual payroll of $14,137,000.

41

Businesses

231

Employees

$14.1M

Annual Payroll

6

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 9 21.9%
Arts, entertainment, and recreation 6 14.6%
Construction 5 12.2%
Administrative and support and waste management and remediation services 5 12.2%
Manufacturing 3 7.3%
Retail trade 3 7.3%

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 08732 vs 08740 →

ZIP 08732 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 08732 ranks #0 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 08732 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 08732 ranks #3 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
08740 Ocean Gate, NJ 2,010 1.1 mi
08741 Pine Beach, NJ 2,488 1.3 mi
08721 Bayville, NJ 20,512 2.7 mi
08753 Toms River, NJ 63,678 2.7 mi
08751 Seaside Heights, NJ 4,212 3.3 mi
08722 Beachwood, NJ 11,045 3.2 mi
08734 Lanoka Harbor, NJ 7,651 5.5 mi
08735 Lavallette, NJ 3,114 4.8 mi
08757 Toms River, NJ 33,217 5.9 mi
08723 Brick, NJ 31,641 6.9 mi

More ZIP Codes in Ocean County

08701 standard
Lakewood, NJ
Pop: 92,843
08753 standard
Toms River, NJ
Pop: 63,678
08527 standard
Jackson, NJ
Pop: 54,392
08724 standard
Brick, NJ
Pop: 42,352
08759 standard
Manchester Township, NJ
Pop: 33,263
08757 standard
Toms River, NJ
Pop: 33,217

Related Areas

Ocean County Island Heights, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 08732 in? ▼
ZIP code 08732 (Island Heights) is located in Ocean County, New Jersey. Ocean County contains multiple ZIP codes, see the full list at /counties/ocean-nj.
What is the population of ZIP code 08732? ▼
ZIP code 08732 in Island Heights, NJ has a population of 1,484 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 08732? ▼
The median household income in ZIP 08732 is $110,000, which is 44% above the national average of $76,288.
What is the average home value in ZIP 08732? ▼
The median home value in ZIP 08732 is $561,200, which is 102% above the national average of $278,155.
What is the demographic makeup of ZIP 08732? ▼
The largest racial group in ZIP 08732 is White at 93.7%. Hispanic or Latino residents make up 3.2% of the population.
How many businesses are in ZIP code 08732? ▼
ZIP code 08732 has 41 business establishments employing approximately 231 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 08732? ▼
The top industries by establishment count in ZIP 08732 are: Other services (except public administration) (9), Arts, entertainment, and recreation (6), Construction (5). There are 6 industry sectors represented in total.
How have home values changed in ZIP code 08732? ▼
According to the FHFA House Price Index, home values in ZIP 08732 decreased by 0.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 215%. 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 08732? ▼
In ZIP code 08732, 78.4% of residents aged 25+ have a high school diploma or higher, and 53.9% 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 08732? ▼
The mean commute time for workers in ZIP code 08732 is 28.3 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 08732? ▼
In ZIP code 08732, approximately 94.6% of occupied housing units are owner-occupied and 5.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 08732? ▼
The poverty rate in ZIP code 08732 is 1.5% 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.