The 08109 ZIP Code is primarily associated with Merchantville, NJ in Camden County in the United States. The current population estimate is 22,235. It is estimated that about 24.9% of residents in this New Jersey region hold a bachelor's degree or higher, while the per capita income is approximately $31,647. The median age in the 08109 ZIP Code is 40.5 years, with 20.7% of residents aged 62 years and older. An estimated 7% of the population in this ZIP lives below the poverty line, while the median househould income is $70,153.
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The median household income in ZIP Code 08109 is $70,153, while the region's mean household income is $80,565. Breaking income down further, per capita income in the region is $31,647. The per capita income in ZIP Code 08109 of $31,647 is approximately 25.96% less than the per capita income in the U.S. overall of $42,745. An estimated 7.3% of the population is living below the poverty line in this region. This rate is approximately 23.16% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 18.7% of the population in 08109 earn $50,000 to $74,999 per year, while an estimated 18.0% earn $100,000 to $149,999 per year, and 3.4% of 08109 residents earn $10,000 to $14,999 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 6.3% |
| $10,000 to $14,999 per year | 3.4% |
| $15,000 to $24,999 per year | 7.1% |
| $25,000 to $34,999 per year | 7.7% |
| $35,000 to $49,999 per year | 10.7% |
| $50,000 to $74,999 per year | 18.7% |
| $75,000 to $99,999 per year | 16.8% |
| $100,000 to $149,999 per year | 18.0% |
| $150,000 to $199,999 per year | 7.0% |
| $200,000 or more per year | 4.1% |
In ZIP Code 08109, 87.1% of the population graduated high school, while 24.9% have a bachelor's degree or higher. In this region, 5.5% achieved an education level less than 9th grade, while 7.7% hold a graduate or professional degree. Approximately 33.1% in this Camden County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 5.5% |
| 9th to 12th grade, no diploma | 7.4% |
| High school graduate (includes equivalency) | 33.1% |
| Some college, no degree | 21.2% |
| Associate's degree | 7.9% |
| Bachelor's degree | 17.2% |
| Graduate or professional degree | 7.7% |
Looking at race in the population that makes up ZIP Code 08109, 97.5% is one race, while 2.5% are two or more races. Approximately 25.1% of 08109 residents are hispanic or Latino (of any race). The most common race in 08109 (race alone or in combination with one or more other races), is White (63.0%), followed by Black or African American (20.0%) .
| Industry | Percent |
|---|---|
| White | 63.0% |
| Black or African American | 20.0% |
| American Indian and Alaska Native | 0.7% |
| Asian | 7.0% |
| Native Hawaiian and Other Pacific Islander | 0.4% |
| Some other race | 11.9% |
In ZIP Code 08109, 73.1% of the population lists "English only" as the language spoken in home, while 18.0% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 3.2% of homes, and other Indo-European languages are spoken in 5.2% of homes. Lastly, 0.4% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Camden County region.
| Language Spoken | Percent |
|---|---|
| English only | 73.1% |
| Spanish | 18.0% |
| Other Indo-European languages | 3.2% |
| Asian and Pacific Islander languages | 5.2% |
| Other languages | 0.4% |
Regarding the age of homes in ZIP Code 08109, an estimated 30.3% of homes were built in 1939 or earlier. Additionally, 22.5% of homes in the region were built between 1950 and 1959, while an estimated 0.1% of homes were built in 2014 or later in this Camden County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.1% |
| Built between 2010 and 2013 | 1.1% |
| Built between 2000 and 2009 | 3.2% |
| Built between 1990 and 1999 | 4.0% |
| Built between 1980 and 1989 | 7.2% |
| Built between 1970 and 1979 | 11.3% |
| Built between 1960 and 1969 | 14.6% |
| Built between 1950 and 1959 | 22.5% |
| Built between 1940 and 1949 | 5.8% |
| Built in 1939 or earlier | 30.3% |
Residents of ZIP Code 08109 are older than average. The median age of 40.5 years in ZIP Code 08109 is approximately 6.3% higher than the overall median age in the U.S. of 38.1 years. About 78.2% of residents are aged 18 years and older, and 20.7% of residents are 62 years and over. Approximately 14.6% of the population in 08109 falls in the age group 45 to 54 years, while an estimated 13.5% are aged 35 to 44 years. On the low end of the scale, 1.9% of 08109 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 6.6% |
| 5 to 9 years | 5.6% |
| 10 to 14 years | 5.6% |
| 15 to 19 years | 6.0% |
| 20 to 24 years | 5.8% |
| 25 to 34 years | 12.7% |
| 35 to 44 years | 13.5% |
| 45 to 54 years | 14.6% |
| 55 to 59 years | 6.4% |
| 60 to 64 years | 6.5% |
| 65 to 74 years | 9.3% |
| 75 to 84 years | 5.6% |
| 85 years and over | 1.9% |
Regarding solar power potential, ZIP Code 08109 has an average daily solar radiation level of 4.89 kWh/m2/day. This is approximately 18.69% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 25.8% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 08109 | 14.88¢/kWh | 7.38¢/kWh | 4.74¢/kWh |
| New Jersey | 17.69¢/kWh | 13.75¢/kWh | 12.04¢/kWh |
| United States | 16.1¢/kWh | 12.81¢/kWh | 7.81¢/kWh |
| Month | ZIP Code 08109 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.87 | 1.9 | 5.84 |
| Feb | 4.63 | 3 | 6.31 |
| Mar | 4.95 | 3.65 | 7.02 |
| Apr | 5.66 | 5.13 | 7.3 |
| May | 5.41 | 5.17 | 7.13 |
| Jun | 5.46 | 5.72 | 6.95 |
| Jul | 5.76 | 6.22 | 6.51 |
| Aug | 5.48 | 6.08 | 6.65 |
| Sep | 5.23 | 5.15 | 7.02 |
| Oct | 4.77 | 3.32 | 6.92 |
| Nov | 4.11 | 2.33 | 5.99 |
| Dec | 3.37 | 1.78 | 5.46 |
In 08109, 66.2% of the population is in the labor force. Recent estimates place 2.7% as working from home, while the total labor force in the region has a mean travel to time to work of 25.1 minutes. Approximately 24.9% of the employed population 16 years and over in 08109 work in educational services, and health care and social assistance, while an estimated 14.4% work in retail trade. On the lower end of the scale, just 0.3% of 08109 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.3% |
| Construction | 6.6% |
| Manufacturing | 7.4% |
| Wholesale trade | 2.6% |
| Retail trade | 14.4% |
| Transportation and warehousing, and utilities | 7.5% |
| Information | 1.4% |
| Finance and insurance, and real estate and rental and leasing | 8.9% |
| Professional, scientific, management, and administrative | 8.7% |
| Educational services, and health care and social assistance | 24.9% |
| Arts, entertainment, and recreation, and accommodation and food services | 7.6% |
| Other services, except public administration | 4.2% |
| Public administration | 5.4% |
Regarding consumer complaints about financial products in ZIP Code 08109, credit reporting or credit repair services have received the most complaints in 08109 in the past 12 months. Credit card or prepaid card received the second most complaints. The most frequent complaint overall in this Camden County region was incorrect information on a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or credit repair services | 120 |
| Credit card or prepaid card | 3 |
| Debt collection | 2 |
| Money transfer, virtual currency, or money service | 1 |
| Payday loan, title loan, or personal loan | 1 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Incorrect information on your report | 101 |
| Problem with a credit reporting company's investigation | 14 |
| Improper use of your report | 6 |
| Attempts to collect debt not owed | 2 |
| Fraud or scam | 1 |
| Other | 3 |