08226 ZIP Code — Ocean City, NJ

Cape May County, New Jersey

ZIP code 08226 is located in Ocean City, New Jersey, within Cape May County. It covers approximately 6.75 square miles and serves a population of 11,260 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 609.

About ZIP code 08226

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $664,100. Owner-occupancy sits near the national average at 72%.

The gap between median ($98,576) and mean household income suggests income inequality — a small number of higher earners pull the average up. 48% 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 30 minutes is near the national average.

Educational attainment is high — 55% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 08226 reflects a community defined by a highly educated population and a significant Social Security-dependent population.

11,260

population

6.75

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

08226 ZIP code map

Cities in ZIP code 08226

Below are the cities the US Postal Service accepts for ZIP code 08226. Using any city not on this list may result in mail delivery delays.

City	Status
Ocean City	Preferred

Nearby ZIP codes

08223 Marmora (3.2 mi) 08244 Somers Point (4.3 mi) 08221 Linwood (6.4 mi) 08230 Ocean View (6.6 mi) 08225 Northfield (7.9 mi) 08243 Sea Isle City (8.6 mi) 08270 Woodbine (10.1 mi) 08232 Pleasantville (10.8 mi) 08401 Atlantic City (11.5 mi) 08405 Atlantic City (12.3 mi) 08201 Absecon (12.5 mi) 08319 Estell Manor (13.1 mi)

Demographics updated 05/2026

Population
Total population	11,260
Population density	1,668 / sq mi
State FIPS	34
County FIPS	009

Geography
Land area	6.75 sq mi
Water area	6.33 sq mi
Latitude	39.2536
Longitude	-74.6029
Timezone	Eastern (ET)
Area code	609

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.1%	34.9%	30.2%
$50k – $100k	24.5%	31.1%	26.7%
$100k – $200k	26.8%	25.0%	28.3%
Over $200k	16.5%	9.0%	14.8%

Demographics & statistics

11,260

Population

1,668

People per sq mi

56.9

Median age

$98,576

Median household income

$68,244

Per capita income

$664,100

Median home value

$1,404

Median monthly rent

72.1%

Home ownership

10.3%

Poverty rate

2.9%

Unemployment

19,290

Housing units

54.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

113

181

5–9

218

240

10–14

290

344

15–19

415

179

20–24

216

404

25–34

486

322

35–44

389

673

45–54

810

400

55–59

483

537

60–64

646

932

65–74

1,123

565

75–84

681

236

85+

284

← Male

Female →

Age summary

Group	Count	%
Under 18	1,730	15.4%
18 and over	9,530	84.6%
65 and over	3,821	33.9%
Median age	56.9 years

Race & ethnicity

White 78.9%

Hispanic or Latino 8.2%

Other race 6.9%

Black or African American 2.9%

Two or more races 2.8%

Asian 0.3%

Group	Count	%
White	9,679	78.9%
Hispanic or Latino	1,011	8.2%
Other race	848	6.9%
Black or African American	352	2.9%
Two or more races	348	2.8%
Asian	33	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.1%	34.9%	30.2%
$50k – $100k	24.5%	31.1%	26.7%
$100k – $200k	26.8%	25.0%	28.3%
Over $200k	16.5%	9.0%	14.8%

Under $10k 3.3%

$10k–$15k 2.8%

$15k–$25k 7.1%

$25k–$35k 6.9%

$35k–$50k 8.1%

$50k–$75k 12.4%

$75k–$100k 9.8%

$100k–$150k 16.8%

$150k–$200k 11.5%

$200k+ 21.3%

Range	% of households
Under $10k	3.3%
$10k–$15k	2.8%
$15k–$25k	7.1%
$25k–$35k	6.9%
$35k–$50k	8.1%
$50k–$75k	12.4%
$75k–$100k	9.8%
$100k–$150k	16.8%
$150k–$200k	11.5%
$200k+	21.3%
Median income	$98,576

Housing

Home values

Under $50k 0.9%

$50k–$100k 0.9%

$100k–$150k 0.5%

$150k–$200k 0.3%

$200k–$300k 5.5%

$300k–$500k 20.5%

$500k–$1M 49.8%

$1M+ 21.6%

Housing overview

Metric	Value
Median home value	$664,100
Median rent / month	$1,404
Owner occupied	72.1%
Renter occupied	27.9%
Vacant	73.5%
Single-family detached	29.4%
Large apartment buildings	6.4%
Mobile homes	0.1%
Median rooms	5.1
Avg household size (owned)	2.04

Year built

Era	%
2020 or later	0.7%
2010–2019	8.3%
2000–2009	16.2%
1990–1999	11.7%
1980–1989	18.0%
1970–1979	12.5%
1960–1969	7.4%
1950–1959	5.7%
1940–1949	3.3%
1939 or earlier	16.1%

Bedrooms

Size	% of units
No bedroom (studio)	1.4%
1 bedroom	5.6%
2 bedrooms	13.2%
3 bedrooms	43.9%
4 bedrooms	27.6%
5+ bedrooms	8.3%

Vehicles per household

Vehicles	% of households
No vehicle	8.4%
1 vehicle	41.3%
2 vehicles	37.7%
3 or more	12.6%

Heating fuel

Fuel type	%
Utility gas	68.1%
Electricity	28.5%
Propane / LP gas	1.9%
Fuel oil	1.0%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	2,793	50.6%
Cohabiting couple	165	3.0%
Male householder, no spouse	954	17.3%
Female householder, no spouse	1,609	29.1%
Households with children under 18	952	17.2%
Households with seniors (65+)	2,710	49.1%
Average household size	2.01

Marital status

Status	Male	Female
Never married	24.6%	18.3%
Married	64.7%	54.7%
Separated	1.4%	0.9%
Widowed	4.8%	12.7%
Divorced	4.5%	13.2%

Education

Less than 9th grade 1.7%

Some HS, no diploma 2.2%

HS graduate 22.7%

Some college, no degree 12.7%

Associate's degree 5.8%

Bachelor's degree 31.5%

Graduate / professional 23.4%

Metric	%
HS diploma or higher	96.1%
Bachelor's or higher	54.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	22	1.1%
Kindergarten	60	2.9%
Elementary school	834	40.8%
High school	661	32.3%
College / grad school	469	22.9%

Employment

Industry of employment

Education & healthcare 28.2%

Arts, food & hospitality 13.4%

Professional & management 11.7%

Retail trade 9.1%

Finance & real estate 9.1%

Construction 5.9%

Manufacturing 5.8%

Public administration 5.7%

Transportation & utilities 3.9%

Other services 3.5%

Information 1.8%

Wholesale trade 1.7%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	47.6%
Service	13.2%
Sales & office	25.7%
Natural resources & construction	5.4%
Production & transportation	8.1%

Employment type

Type	%
Private sector	75.2%
Government	19.0%
Self-employed	5.5%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	68.0%
Carpool	7.1%
Public transit	0.6%
Walk	7.2%
Work from home	13.7%
Other means	3.3%
Avg commute (minutes)	29.6

Poverty

All people 10.3%

Under 18 years 23.5%

18 and over 7.8%

Married-couple families 5.4%

Female-led households 11.5%

Income support

Source	% of households
Social Security	48.0%
Retirement income	39.4%
Supplemental Security	2.5%
Cash public assistance	0.5%
Food stamps / SNAP	4.0%

Health indicators

Condition	%
Obesity	26.2%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	9.9%
Heart disease	7.9%
Stroke	3.2%
Asthma	8.9%
Arthritis	27.6%
Kidney disease	3.2%
Pulmonary disease	6.3%
Cancer	10.0%

Behavior / access	%
Smoking	10.3%
Binge drinking	15.7%
No physical activity	18.0%
Less than 7 hrs sleep	27.6%
Depression	16.2%
Fair or poor health	10.8%
Poor mental health	11.4%
Poor physical health	8.6%
No health insurance	9.5%
Visited doctor (checkup)	80.5%
Visited dentist	74.2%
Cholesterol screening	0.0%
Teeth loss	8.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	835	8.8%

Disability	%
Any disability	13.3%
Under 18	2.5%
18–64 years	7.2%
65 and over	27.7%

Health insurance coverage

Type	%
Private insurance	76.6%
Public insurance	41.8%
No insurance	4.6%
Uninsured under 19	4.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,054	98.2%
Spanish	225	2.0%
Other Indo-European	217	2.0%
Asian & Pacific Islander	8	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,754	95.5%
Born in same state	10,586	94.0%
Born in different state	4,505	40.0%
Foreign born	168	1.5%
Naturalized citizen	506	4.5%
Not a US citizen	201	39.7%

Ancestry

Ancestry	Count	%
Italian	3,452	30.7%
French	1,605	14.3%
Arab	322	2.9%
English	79	0.7%
Irish	66	0.6%

Ancestry	Count	%
Norwegian	58	0.5%
Polish	49	0.4%
German	4	0%
Dutch	4	0%

Technology access

Metric	% of households
Computer access	49.0%
Internet access	94.8%

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

Frequently asked questions about ZIP code 08226

What city is ZIP code 08226 in?

ZIP code 08226 is primarily assigned to Ocean City, New Jersey.

What county is ZIP code 08226 in?

ZIP code 08226 falls within Cape May County, New Jersey.

Does ZIP code 08226 have an older population?

34% of residents in ZIP code 08226 are 65 or older, above the national average of ~17%.

Does ZIP code 08226 have a large retiree population?

48% of households in ZIP code 08226 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 08226?

55% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 08226?

The median home value in ZIP code 08226 is $664,100.

What timezone is ZIP code 08226 in?

ZIP code 08226 observes the EST timezone.