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 High-density area
- $110,000
- Median income Above-median income area
- $561,200
- Median home value Above-median home value
- 53.9%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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 average New Jersey ZIP), while per-capita income is $71,870. Both reported hardship measures are comparatively low in absolute terms: poverty is 1.5% and unemployment is 2.3%. Median home value is $561,200 (9% above the average New Jersey ZIP) and median rent is $1,750; 94.6% of occupied homes 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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Ocean County, so 08732 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 08732
Top 5 sectors by establishment count in Island Heights, NJ
Which industries have the most business establishments in ZIP 08732.
- Other services (except public administration)
Other services (except public administration)
9 establishments
- Arts, entertainment, and recreation
Arts, entertainment, and recreation
6 establishments
- Construction
Construction
5 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
5 establishments
- Manufacturing 3
Manufacturing
3 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 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
Who lives in ZIP 08732?
53.7
Median Age
48.2%
Male
51.8%
Female
2.7%
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?
$110,000
Median Household Income
-10% vs state ZIP avg
$71,870
Per Capita Income
1.5%
Poverty Rate
2.3%
Unemployment Rate
28.3 min
Mean Commute Time
How ZIP 08732 ranks among New Jersey ZIPs
Island Heights, 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)
$110,000 48th percentile higher than 48% 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
783housing units
783
Total Housing Units
708
Occupied Units
75
Vacant Units
2.20
Avg Household Size
Occupancy Type
$561,200
Median Home Value
+9% vs state ZIP avg
$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.
- 08753
Toms River (08753)
63,678 residents
- 08757
Toms River (08757)
33,217 residents
- 08723
Brick (08723)
31,641 residents
- 08721 20,512
Bayville (08721)
20,512 residents
- 08722 11,045
Beachwood (08722)
11,045 residents
- 08734 7,651
Lanoka Harbor (08734)
7,651 residents
- 08751 4,212
Seaside Heights (08751)
4,212 residents
- 08735 3,114
Lavallette (08735)
3,114 residents
- 08741 2,488
Pine Beach (08741)
2,488 residents
What this shows Among its immediate neighbors, ZIP 08732 ranks #0 by population - useful context the national average alone can't give.
ZIP 08732 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 08741
Pine Beach (08741)
$143,094 median income
- 08734
Lanoka Harbor (08734)
$116,000 median income
- 08732
Island Heights (08732)
$110,000 median income
- 08723
Brick (08723)
$108,643 median income
- 08722
Beachwood (08722)
$106,858 median income
- 08721
Bayville (08721)
$105,273 median income
- 08753
Toms River (08753)
$105,224 median income
- 08751
Seaside Heights (08751)
$77,448 median income
- 08735
Lavallette (08735)
$76,974 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 08732, 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 (1,484 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Ocean County
Related Areas
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.
Related
Take this with you
What to do with ZIP 08732's numbers, next.
- See how ZIP 08732 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Island Heights, 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.