PlainZIP

Mantoloking, NJ · standard

ZIP Code 08738

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

1,042
406/sq mi
$250,001
Median income
$1,493,200
Median home value
70.7%
Bachelor's or higher

The verdict

Mantoloking pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 1%
household income, US ZIPs
Top 1%
home value, US ZIPs
406
people per sq mi
95%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 08738 against every reporting US ZIP.

ZIP code 08738 is a sparsely populated ZIP (a standard USPS delivery area) in Mantoloking, Ocean County, New Jersey, home to just 1,042 residents across 2.6 square miles, a density of 406 people per square mile, in the New York time zone.

ZIP 08738 skews affluent, with a median household income of $250,001 (105% above the New Jersey average), while per-capita income is $153,702. Poverty here runs at 2.5%, with unemployment measured at 5.6%. Median home value sits at $1,493,200 (189% above the state average), median rent at $2,094 a month, and owner-occupancy at 95.3%.

This is a highly-educated ZIP: 70.7% of adults hold a bachelor's degree or higher, the median age is 58.6, and the average commute is -. To put 08738 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Ocean County, for a geography-aware comparison.

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 08738

Top 5 sectors by establishment count in Mantoloking, NJ

Which industries have the most business establishments in ZIP 08738.

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 08738, Mantoloking, 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

1,042

Population

2.6

Area (sq mi)

406

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 08738?

58.6

Median Age

45.9%

Male

54.1%

Female

6.2%

Foreign-Born

White 91.5%
African American 0.1%
Asian 4.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.2%
Hispanic or Latino 2.4%

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?

$250,001

Median Household Income

+105% vs state

$153,702

Per Capita Income

2.5%

Poverty Rate

5.6%

Unemployment Rate

How ZIP 08738 ranks nationally

Mantoloking, NJ household income vs. every US ZIP code

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

$250,001 Top 1% higher than 99% 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%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). Below this entry. $180,000–$200,000: 186 US ZIPs (1%). Below this entry. $200,000–$220,000: 324 US ZIPs (1%). This entry sits in this band. 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 83.9%
Bachelor's Degree or Higher 70.7%

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

What does housing look like?

1,708

Total Housing Units

592

Occupied Units

1,116

Vacant Units

2.32

Avg Household Size

Occupancy Type

Owner 95.3%
Renter 4.7%

$1,493,200

Median Home Value

+189% vs state

$2,094

Median Rent

1976

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

+19.9%

YoY Change (2021)

318

HPI Index (2000 = 100)

+218%

Total Change Since 2000

Home values in ZIP 08738 have increased 19.9% over the past year (2021). Since 2000, this ZIP has seen +218% cumulative appreciation.

Year Annual Change HPI Index
2017 +0.2% 232
2018 +12.2% 261
2019 -10.0% 235
2020 +12.8% 265
2021 +19.9% 318

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 2021. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 27 business establishments in ZIP 08738, employing approximately 64 people with a combined annual payroll of $17,328,000.

27

Businesses

64

Employees

$17.3M

Annual Payroll

5

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 5 18.5%
Other services (except public administration) 4 14.8%
Construction 3 11.1%
Real estate and rental and leasing 3 11.1%
Health care and social assistance 3 11.1%

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 08738 vs 08735 →

ZIP 08738 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 08738 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 08738 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 08738 ranks the highest 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
08735 Lavallette, NJ 3,114 2.8 mi
08742 Point Pleasant Beach, NJ 24,405 4.1 mi
08723 Brick, NJ 31,641 2.9 mi
08730 Brielle, NJ 4,774 5.8 mi
08751 Seaside Heights, NJ 4,212 5.3 mi
08736 Manasquan, NJ 12,578 6.8 mi
08724 Brick, NJ 42,352 5.5 mi
08750 Sea Girt, NJ 3,528 7.8 mi
08753 Toms River, NJ 63,678 5.8 mi
08720 Allenwood, NJ 843 8.4 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 Mantoloking, NJ New Jersey

Frequently Asked Questions

What county is ZIP code 08738 in? ▼
ZIP code 08738 (Mantoloking) 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 08738? ▼
ZIP code 08738 in Mantoloking, NJ has a population of 1,042 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 08738? ▼
The median household income in ZIP 08738 is $250,001, which is 228% above the national average of $76,288.
What is the average home value in ZIP 08738? ▼
The median home value in ZIP 08738 is $1,493,200, which is 437% above the national average of $278,155.
What is the demographic makeup of ZIP 08738? ▼
The largest racial group in ZIP 08738 is White at 91.5%. Hispanic or Latino residents make up 2.4% of the population.
How many businesses are in ZIP code 08738? ▼
ZIP code 08738 has 27 business establishments employing approximately 64 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 08738? ▼
The top industries by establishment count in ZIP 08738 are: Professional, scientific, and technical services (5), Other services (except public administration) (4), Construction (3). There are 5 industry sectors represented in total.
How have home values changed in ZIP code 08738? ▼
According to the FHFA House Price Index, home values in ZIP 08738 increased by 19.9% in 2021. Since 2000, home values in this ZIP have appreciated by approximately 218%. 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 08738? ▼
In ZIP code 08738, 83.9% of residents aged 25+ have a high school diploma or higher, and 70.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 08738? ▼
In ZIP code 08738, approximately 95.3% of occupied housing units are owner-occupied and 4.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 08738? ▼
The poverty rate in ZIP code 08738 is 2.5% 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.