Cost of Living in Toms River, NJ (2026)
Updated Jun 2026 (3 months ago) · Source: U.S. Census Bureau, U.S. Bureau of Economic Analysis, U.S. Energy Information Administration
Key facts
- Rent (1-bedroom)
- $1,356/month
- U.S. Census Bureau · 2024-12-31
- Median household income
- $100,137
- U.S. Census Bureau · 2024-12-31
- Regional price parity
- 108.8 (above national average)
- U.S. Bureau of Economic Analysis · 2024-12-31
- Utilities (monthly)
- $225/month
- U.S. Energy Information Administration · 2026-06-30
- Rent burden (of income)
- 16% (affordable)
- Derived from Census + HUD threshold · 2024-12-31
Can you afford this city?
- Groceries (est.)
- $439
- Monthly surplus
- $1,730
Salary needed to live here
- Gross per month
- $3,886
- Comfortable budget
- $2,720
Toms River, NJ vs the US average
| Metric | Value | vs US avg |
|---|---|---|
Median household income (Census ACS 5-Year, Dec 2024) | $100,137 | +29% vs US |
Median home value (Census ACS 5-Year, Dec 2024) | $403,600 | +19% vs US |
Rent (1BR) (Census ACS 5-Year, Dec 2024) | $1,356 | +4% vs US |
Rent (2BR) (Census ACS 5-Year, Dec 2024) | $1,714 | +17% vs US |
Grocery cost index (BEA Regional Price Parities, Dec 2024) | 107.1 | +7% vs US |
Utilities (monthly) (EIA Electricity Retail Sales, Jun 2026) | $225 | +10% vs US |
Cost breakdown vs US average
What it costs to live in Toms River
A one-bedroom in Toms River averages $1,356 per month, close to the national median of $1,300. The median household income here is $100,137, and a one-bedroom lease absorbs about 16% of that — leaving room under the 30% affordability threshold. Median homes are valued at $403,600 (4.0× median income) — above the 3× affordability rule, though in line with many U.S. metros. That's 19% above the U.S. median of $340,200. Use the calculator above to see how far your income goes, with rent and utilities prefilled from the latest U.S. Census Bureau data.
Buying a home in Toms River?
Mortgage payment calculator
- Principal & interest
- $2,108
- Total interest
- $438,707
Estimate only — not financial, tax, or legal advice. Figures are illustrative and may not reflect your situation. Consult a qualified professional.
Cite this page
CostAlmanac US, *Toms River, NJ — Cost of Living*, https://costalmanac.com/cost-of-living/toms-river-nj
Data from U.S. government sources. See methodology for how every number is computed.