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 High-density area
- $250,000+
- Median income Above-median income area
- $1,493,200
- Median home value Above-median home value
- 70.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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 $250,000+ (105% above the average New Jersey ZIP), while per-capita income is $153,702. The poverty rate is 2.5%, with unemployment at 5.6%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $1,493,200 (189% above the average New Jersey ZIP), while 95.3% of occupied homes are owner-occupied and median rent is $2,094.
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 -. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Ocean County, so 08738 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 08738
Top 5 sectors by establishment count in Mantoloking, NJ
Which industries have the most business establishments in ZIP 08738.
- Professional, scientific, and technical services
Professional, scientific, and technical services
5 establishments
- Other services (except public administration)
Other services (except public administration)
4 establishments
- Construction
Construction
3 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
3 establishments
- Health care and social assistance
Health care and social assistance
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 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
Who lives in ZIP 08738?
58.6
Median Age
45.9%
Male
54.1%
Female
6.2%
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?
$250,000+
Median Household Income
+105% vs state ZIP avg
$153,702
Per Capita Income
2.5%
Poverty Rate
5.6%
Unemployment Rate
How ZIP 08738 ranks among New Jersey ZIPs
Mantoloking, 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)
$250,000 Top 2% higher than 98% 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
1,708housing units
1,708
Total Housing Units
592
Occupied Units
1,116
Vacant Units
2.32
Avg Household Size
Occupancy Type
$1,493,200
Median Home Value
+189% vs state ZIP avg
$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.
- 08753
Toms River (08753)
63,678 residents
- 08724
Brick (08724)
42,352 residents
- 08723
Brick (08723)
31,641 residents
- 08742 24,405
Point Pleasant Beach (08742)
24,405 residents
- 08736 12,578
Manasquan (08736)
12,578 residents
- 08730 4,774
Brielle (08730)
4,774 residents
- 08751 4,212
Seaside Heights (08751)
4,212 residents
- 08750 3,528
Sea Girt (08750)
3,528 residents
- 08735 3,114
Lavallette (08735)
3,114 residents
What this shows Among its immediate neighbors, ZIP 08738 ranks #0 by population - useful context the national average alone can't give.
ZIP 08738 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 08738
Mantoloking (08738)
$250,000 median income
- 08720
Allenwood (08720)
$224,671 median income
- 08736
Manasquan (08736)
$174,097 median income
- 08730
Brielle (08730)
$172,250 median income
- 08750
Sea Girt (08750)
$134,167 median income
- 08742
Point Pleasant Beach (08742)
$123,152 median income
- 08723
Brick (08723)
$108,643 median income
- 08753
Toms River (08753)
$105,224 median income
- 08724
Brick (08724)
$103,127 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 08738, 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 (1,042 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 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 $250,000+, 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.
Related
Take this with you
What to do with ZIP 08738's numbers, next.
- See how ZIP 08738 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Mantoloking, 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.