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New Jersey ZIP Codes
Ocean County
Mantoloking, NJ
08738
08738 ZIP Code — Mantoloking, NJ
Ocean County, New Jersey
ZIP code 08738 is located in
Mantoloking ,
New Jersey ,
within Ocean County .
It covers approximately 0.98 square miles and serves a population of
1,411 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 732/848 .
About ZIP code 08738
The housing stock consists of predominantly single-family detached homes. Much of the housing stock is relatively new, reflecting recent development activity. Median home value is $1,422,400. Owner-occupancy is high at 88%, well above the national average.
The gap between median ($190,625) and mean household income suggests income inequality — a small number of higher earners pull the average up. 40% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with professional and management as the leading industry. An above-average commute of 42 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 28% of workers work from home.
Educational attainment is high — 68% of residents hold a bachelor's degree or higher, well above the national average of 33%.
Overall, ZIP code 08738 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.
08738 ZIP code map
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Cities in ZIP code 08738
Below are the cities the US Postal Service accepts for ZIP code 08738. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
1,411
Population density
1,440 / sq mi
State FIPS
34
County FIPS
029
Geography
Land area
0.98 sq mi
Water area
2.42 sq mi
Latitude
40.0247
Longitude
-74.0584
Timezone
Eastern (ET)
Area code
732/848
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
23.1%
34.9%
30.2%
$50k – $100k
17.7%
29.9%
26.7%
$100k – $200k
27.5%
26.6%
28.3%
Over $200k
31.7%
8.6%
14.8%
Demographics & statistics
$190,625
Median household income
$124,179
Per capita income
$1,422,400
Median home value
$1,946
Median monthly rent
68.2%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 215 15.2% 18 and over 1,196 84.8% 65 and over 411 29.1% Median age 57.2 years
Race & ethnicity
Black or African American
0.1%
Group Count % White 1,262 88.7% Asian 135 9.5% Hispanic or Latino 12 0.8% Two or more races 9 0.6% Other race 3 0.2% Black or African American 2 0.1%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
23.1%
34.9%
30.2%
$50k – $100k
17.7%
29.9%
26.7%
$100k – $200k
27.5%
26.6%
28.3%
Over $200k
31.7%
8.6%
14.8%
Range % of households Under $10k 1.0% $10k–$15k 0.8% $15k–$25k 4.0% $25k–$35k 2.0% $35k–$50k 4.9% $50k–$75k 5.4% $75k–$100k 9.4% $100k–$150k 14.6% $150k–$200k 9.7% $200k+ 48.1% Median income $190,625
Housing
Housing overview
Metric Value Median home value $1,422,400 Median rent / month $1,946 Owner occupied 88.2% Renter occupied 11.8% Vacant 66.4% Single-family detached 90.9% Large apartment buildings 0.7% Mobile homes 0.7% Median rooms 7.4 Avg household size (owned) 2.35
Year built
Era % 2020 or later 2.4% 2010–2019 17.2% 2000–2009 12.6% 1990–1999 4.4% 1980–1989 10.7% 1970–1979 14.3% 1960–1969 16.3% 1950–1959 9.1% 1940–1949 6.0% 1939 or earlier 7.0%
Bedrooms
Size % of units No bedroom (studio) 0.1% 1 bedroom 7.1% 2 bedrooms 3.3% 3 bedrooms 23.1% 4 bedrooms 38.2% 5+ bedrooms 28.3%
Vehicles per household
Vehicles % of households No vehicle 1.7% 1 vehicle 34.8% 2 vehicles 35.6% 3 or more 27.9%
Heating fuel
Fuel type % Utility gas 90.3% Electricity 8.6% Propane / LP gas 0.2% No fuel used 1.0%
Households & families
Household type Count % Married-couple family 386 64.9% Cohabiting couple 12 2.0% Male householder, no spouse 82 13.8% Female householder, no spouse 115 19.3% Households with children under 18 96 16.1% Households with seniors (65+) 267 44.9% Average household size 2.36
Marital status
Status Male Female Never married 20.9% 20.5% Married 71.6% 61.1% Separated 0.0% 0.9% Widowed 1.4% 6.5% Divorced 6.1% 10.9%
Education
Some college, no degree
12.3%
Graduate / professional
28.6%
Metric % HS diploma or higher 98.2% Bachelor's or higher 68.2%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 6 2.2% Kindergarten 0 0.0% Elementary school 120 44.4% High school 31 11.5% College / grad school 113 41.9%
Employment
Industry of employment
Professional & management
37.0%
Education & healthcare
12.7%
Finance & real estate
11.3%
Arts, food & hospitality
9.7%
Transportation & utilities
2.7%
Public administration
2.1%
Occupation
Category % Management, business & arts 57.5% Service 13.7% Sales & office 22.5% Natural resources & construction 2.9% Production & transportation 3.5%
Employment type
Type % Private sector 81.3% Government 12.7% Self-employed 6.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 58.0% Carpool 4.4% Public transit 5.0% Walk 4.8% Work from home 27.8% Other means 0.0% Avg commute (minutes) 42.0
Poverty
Married-couple families
0.0%
Female-led households
12.5%
Income support
Source % of households Social Security 40.0% Retirement income 31.8% Supplemental Security 4.7% Cash public assistance 0.5% Food stamps / SNAP 0.0%
Health indicators
Condition % Obesity 27.8% High blood pressure 0.0% High cholesterol 0.0% Diabetes 11.8% Heart disease 9.4% Stroke 3.7% Asthma 9.2% Arthritis 34.6% Kidney disease 3.8% Pulmonary disease 7.2% Cancer 12.1%
Behavior / access % Smoking 9.2% Binge drinking 11.6% No physical activity 18.1% Less than 7 hrs sleep 29.2% Depression 15.6% Fair or poor health 11.3% Poor mental health 9.9% Poor physical health 9.4% No health insurance 7.2% Visited doctor (checkup) 84.2% Visited dentist 74.8% Cholesterol screening 0.0% Teeth loss 7.5%
Veterans & disability
Veterans Count % Civilian veterans 64 5.4%
Disability % Any disability 11.5% Under 18 7.1% 18–64 years 7.5% 65 and over 21.4%
Health insurance coverage
Type % Private insurance 91.0% Public insurance 30.2% No insurance 1.0% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 1,351 95.7% Spanish 39 2.9% Other Indo-European 2 0.1% Asian & Pacific Islander 1 0.1% Other languages 36 2.7%
Place of birth & citizenship
Origin Count % Native born (US) 1,316 93.3% Born in same state 1,314 93.1% Born in different state 880 62.4% Foreign born 2 0.1% Naturalized citizen 95 6.7% Not a US citizen 53 55.8%
Ancestry
Ancestry Count % Italian 339 24% French 109 7.7% Irish 56 4% Arab 32 2.3% German 23 1.6%
Ancestry Count % English 11 0.8% Polish 8 0.6% Dutch 5 0.4% Norwegian 2 0.1%
Technology access
Metric % of households Computer access 42.2% Internet access 99.8%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 08738
What city is ZIP code 08738 in?
ZIP code 08738 is primarily assigned to Mantoloking, New Jersey.
What county is ZIP code 08738 in?
ZIP code 08738 falls within Ocean County, New Jersey.
How educated is the population of ZIP code 08738?
68% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
Does ZIP code 08738 have an older population?
29% of residents in ZIP code 08738 are 65 or older, above the national average of ~17%.
Is ZIP code 08738 mostly owner-occupied?
88% of occupied units in ZIP code 08738 are owner-occupied, well above the national average.
Does ZIP code 08738 have a large retiree population?
40% of households in ZIP code 08738 receive Social Security income, suggesting a significant retiree or disability population.
What timezone is ZIP code 08738 in?
ZIP code 08738 observes the EST timezone.
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