08732 ZIP Code — Island Heights, NJ

Ocean County, New Jersey

ZIP code 08732 is located in Island Heights, New Jersey, within Ocean County. It covers approximately 0.54 square miles and serves a population of 1,449 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 732/848/908.

About ZIP code 08732

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $469,900. Owner-occupancy is high at 91%, well above the national average.

The gap between median ($106,339) and mean household income suggests income inequality — a small number of higher earners pull the average up. 50% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 32 minutes is near the national average.

Educational attainment is high — 52% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 08732 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

1,449

population

0.54

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

08732 ZIP code map

Cities in ZIP code 08732

Below are the cities the US Postal Service accepts for ZIP code 08732. Using any city not on this list may result in mail delivery delays.

City	Status
Island Heights	Acceptable

Demographics updated 06/2026

Population
Total population	1,449
Population density	2,683 / sq mi
State FIPS	34
County FIPS	029

Geography
Land area	0.54 sq mi
Water area	0.31 sq mi
Latitude	39.9411
Longitude	-74.1418
Timezone	Eastern (ET)
Area code	732/848/908

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	18.2%	34.9%	30.2%
$50k – $100k	40.0%	29.9%	26.7%
$100k – $200k	32.5%	26.6%	28.3%
Over $200k	9.3%	8.6%	14.8%

Demographics & statistics

1,449

Population

2,683

People per sq mi

54.6

Median age

$106,339

Median household income

$71,779

Per capita income

$469,900

Median home value

$1,600

Median monthly rent

91.1%

Home ownership

0.6%

Poverty rate

2.8%

Unemployment

734

Housing units

51.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

155

65–74

167

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	237	16.4%
18 and over	1,212	83.6%
65 and over	474	32.7%
Median age	54.6 years

Race & ethnicity

White 89.7%

Two or more races 5.7%

Black or African American 2.3%

Hispanic or Latino 2%

Asian 0.1%

Other race 0.1%

Group	Count	%
White	1,327	89.7%
Two or more races	85	5.7%
Black or African American	34	2.3%
Hispanic or Latino	30	2%
Asian	2	0.1%
Other race	1	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	18.2%	34.9%	30.2%
$50k – $100k	40.0%	29.9%	26.7%
$100k – $200k	32.5%	26.6%	28.3%
Over $200k	9.3%	8.6%	14.8%

Under $10k 0.9%

$15k–$25k 1.3%

$25k–$35k 0.4%

$35k–$50k 11.5%

$50k–$75k 13.6%

$75k–$100k 15.8%

$100k–$150k 29.3%

$150k–$200k 10.7%

$200k+ 16.5%

Range	% of households
Under $10k	0.9%
$15k–$25k	1.3%
$25k–$35k	0.4%
$35k–$50k	11.5%
$50k–$75k	13.6%
$75k–$100k	15.8%
$100k–$150k	29.3%
$150k–$200k	10.7%
$200k+	16.5%
Median income	$106,339

Housing

Home values

Under $50k 0.6%

$50k–$100k 1.0%

$150k–$200k 1.1%

$200k–$300k 7.2%

$300k–$500k 45.0%

$500k–$1M 38.6%

$1M+ 6.4%

Housing overview

Metric	Value
Median home value	$469,900
Median rent / month	$1,600
Owner occupied	91.1%
Renter occupied	8.9%
Vacant	13.8%
Single-family detached	94.1%
Large apartment buildings	2.9%
Mobile homes	0.0%
Median rooms	6.4
Avg household size (owned)	2.12

Year built

Era	%
2020 or later	0.0%
2010–2019	2.5%
2000–2009	6.3%
1990–1999	5.5%
1980–1989	14.0%
1970–1979	8.8%
1960–1969	3.1%
1950–1959	11.2%
1940–1949	6.8%
1939 or earlier	41.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.0%
2 bedrooms	21.5%
3 bedrooms	50.7%
4 bedrooms	17.6%
5+ bedrooms	8.2%

Vehicles per household

Vehicles	% of households
No vehicle	0.4%
1 vehicle	38.0%
2 vehicles	38.4%
3 or more	23.2%

Heating fuel

Fuel type	%
Utility gas	95.2%
Electricity	2.8%
Propane / LP gas	0.4%
Fuel oil	1.6%

Households & families

Household type	Count	%
Married-couple family	295	43.1%
Cohabiting couple	49	7.2%
Male householder, no spouse	159	23.2%
Female householder, no spouse	182	26.6%
Households with children under 18	115	16.8%
Households with seniors (65+)	366	53.4%
Average household size	2.12

Marital status

Status	Male	Female
Never married	27.9%	24.4%
Married	46.6%	47.6%
Separated	1.1%	0.0%
Widowed	4.7%	16.0%
Divorced	19.7%	12.0%

Education

Less than 9th grade 1.1%

Some HS, no diploma 1.4%

HS graduate 21.8%

Some college, no degree 11.6%

Associate's degree 12.6%

Bachelor's degree 31.2%

Graduate / professional 20.3%

Metric	%
HS diploma or higher	97.5%
Bachelor's or higher	51.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	13	5.0%
Kindergarten	0	0.0%
Elementary school	130	50.4%
High school	58	22.5%
College / grad school	57	22.1%

Employment

Industry of employment

Education & healthcare 38.0%

Retail trade 10.6%

Professional & management 9.5%

Manufacturing 7.9%

Public administration 7.6%

Finance & real estate 5.7%

Arts, food & hospitality 5.6%

Construction 5.2%

Information 3.3%

Wholesale trade 2.7%

Transportation & utilities 2.7%

Other services 1.1%

Occupation

Category	%
Management, business & arts	58.2%
Service	11.3%
Sales & office	18.8%
Natural resources & construction	4.0%
Production & transportation	7.8%

Employment type

Type	%
Private sector	72.3%
Government	20.6%
Self-employed	7.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.2%
Carpool	1.3%
Public transit	1.7%
Walk	2.4%
Work from home	14.5%
Other means	0.0%
Avg commute (minutes)	32.1

Poverty

All people 0.6%

Under 18 years 0.0%

18 and over 0.7%

Married-couple families 1.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	50.4%
Retirement income	42.0%
Supplemental Security	0.9%
Cash public assistance	0.0%
Food stamps / SNAP	0.9%

Health indicators

Condition	%
Obesity	28.3%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	8.2%
Heart disease	5.9%
Stroke	2.4%
Asthma	9.7%
Arthritis	24.8%
Kidney disease	2.5%
Pulmonary disease	5.3%
Cancer	7.9%

Behavior / access	%
Smoking	11.9%
Binge drinking	17.2%
No physical activity	16.1%
Less than 7 hrs sleep	32.6%
Depression	17.8%
Fair or poor health	9.1%
Poor mental health	12.4%
Poor physical health	7.9%
No health insurance	8.4%
Visited doctor (checkup)	78.3%
Visited dentist	74.0%
Cholesterol screening	0.0%
Teeth loss	7.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	86	7.1%

Disability	%
Any disability	8.5%
Under 18	2.1%
18–64 years	7.9%
65 and over	12.7%

Health insurance coverage

Type	%
Private insurance	87.3%
Public insurance	35.4%
No insurance	3.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,410	97.3%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,415	97.7%
Born in same state	1,407	97.1%
Born in different state	1,081	74.6%
Foreign born	8	0.6%
Naturalized citizen	34	2.3%
Not a US citizen	30	88.2%

Ancestry

Ancestry	Count	%
Italian	407	28.1%
French	172	11.9%
Arab	38	2.6%
Norwegian	37	2.6%

Ancestry	Count	%
Irish	34	2.3%
English	11	0.8%
Dutch	6	0.4%
Polish	3	0.2%

Technology access

Metric	% of households
Computer access	47.3%
Internet access	96.6%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 08732

What city is ZIP code 08732 in?

ZIP code 08732 is primarily assigned to Island Heights, New Jersey.

What county is ZIP code 08732 in?

ZIP code 08732 falls within Ocean County, New Jersey.

Does ZIP code 08732 have an older population?

33% of residents in ZIP code 08732 are 65 or older, above the national average of ~17%.

Is ZIP code 08732 mostly owner-occupied?

91% of occupied units in ZIP code 08732 are owner-occupied, well above the national average.

Does ZIP code 08732 have a large retiree population?

50% of households in ZIP code 08732 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 08732?

52% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What timezone is ZIP code 08732 in?

ZIP code 08732 observes the EST timezone.