← Back to Explorer

ZIP Code 08731

Ocean, New Jersey

ZCTA 08731

Juniper

ZIP Code 08731 is in the lowest 24% nationally for FEMA risk score. It also sits in the highest 7% nationally for median rent. And it sits in the highest 9% nationally for home price growth over five years.

Typical Home Valuemedian home value (ACS), re-priced to today on the FHFA index

$510,223

Higher than 76% of U.S. ZIP codes
Home Price Growth, Past Five Years

72%

Higher than 91% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

43

Lower than 76% of U.S. ZIP codes

The boundary of ZIP Code 08731, in Ocean, New Jersey.

The basics

Total Population

21,629

Median Age

47.2

Population Density

276.85

Home values & property tax

Median Property Tax

$6,565

Property Tax Rateyearly tax as a share of home value

1.6%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

4.1×

Higher than 73% of U.S. ZIP codes
Median Income

$98,582

Higher than 80% of U.S. ZIP codes
Median Rent

$2,070

Higher than 93% of U.S. ZIP codes

Home prices & appreciation

Home Price Growth, Past Year

5%

Higher than 63% of U.S. ZIP codes
Pandemic Price Run-Up2019–20 low → 2022–23 peak

63%

2008 Crash: Peak-to-Trough Drophow far prices fell, 2007 → 2011

27%

Climate & weather

Summer Avg High (°F)

83

Winter Avg Low (°F)

23.4

Avg Temperature (°F)

52.7

Hot Days/yr (>90°F)

24

Freezing Days/yr (<32°F)

115.9

Annual Precipitation (in)

51.2

Annual Snowfall (in)

10.2

Flood & disaster risk

Coastal Flood Loss per $1,000

$0.13

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Climate

  • Environment & Risk

ZIP Code 08731: frequently asked questions

What is the typical home value in ZIP Code 08731?
The estimated median home value in ZIP Code 08731 today is $510,223, higher than 76% of U.S. ZIP codes.
How much is property tax in ZIP Code 08731?
The median annual property tax in ZIP Code 08731 is $6,565, an effective rate of 1.6% of home value.
Is ZIP Code 08731 expensive to live in?
Homes in ZIP Code 08731 cost about 4.1× the median household income, higher than 73% of U.S. ZIP codes.
What is the average rent in ZIP Code 08731?
The median gross rent in ZIP Code 08731 is $2,070 a month, higher than 93% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 08731?
Home prices in ZIP Code 08731 have moved 72% over the past five years (5% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 08731?
ZIP Code 08731 has a population of 21,629, about 276.85 people per square mile, per the U.S. Census American Community Survey. The median age is 47.2.
What is the weather like in ZIP Code 08731?
ZIP Code 08731 averages 52.7°F year-round, summer highs near 83°F, winter lows around 23.4°F (NOAA 1991–2020 normals). It sees about 10.2 inches of snow a year.
Is ZIP Code 08731 at risk of flooding or natural disasters?
ZIP Code 08731's FEMA National Risk Index score is 43 (lower than 76% of U.S. ZIP codes). Its greatest modeled natural hazard is inland flooding. Expected annual loss from flooding is $0.13 per $1,000 of building value.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap contributors (ODbL), EPA. Explore the map →

TermsPrivacyData disclaimer