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New York-Newark-Jersey City, NY-NJ

Cost of living in Toms River, New Jersey

Ocean County, NJ

Part of the New York Metro Area

Estimated monthly cost
$3,824/mo
for a single person, all categories combined

Population 646,434 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,654 43%
Federal tax $630 16%
Healthcare $480 13%
Groceries $392 10%
Transport $320 8%
Energy $194 5%
State tax $99 3%
Water $55 1%

Rent in Toms River

Fair Market Rents by bedroom count.

Studio
$1,474
per month
1 bedroom
$1,654
per month
2 bedroom
$2,040
per month
3 bedroom
$2,717
per month
4 bedroom
$3,023
per month

Source: HUD FMR FY2025

Income and earnings in Toms River

Annual earnings figures from the Census ACS.

Household income
$86,411
per year
Individual earnings
$48,583
per year
Per capita
$43,900
per year

Source: ACS 2019-2023 5-Year.

Home values in Toms River

Average values reported by homeowners.

Average home value
$366,600
Annual property tax
$6,499

Source: ACS 2019-2023 5-Year

Energy costs in Toms River

Estimated monthly electricity and gas costs.

Electricity
$132
per month · 19.4¢/kWh
Natural gas
$62
per month
Annual total
$2,328
per year

Source: EIA

Healthcare in Toms River

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.2%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Toms River

State and local tax rates for New Jersey.

State income tax
10.8%
Top marginal rate
State sales tax
6.6%
Combined sales tax
6.6%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Toms River

Commute patterns and estimated costs.

Average commute
30.7 min
Drive alone
76.5%
Public transit
1.2%
Work from home
11.6%

Source: ACS

Monthly cost estimates for Toms River

What it costs to live in Toms River each month.

Single person
$3,824
per month
  • Rent $1,654
  • Energy $194
  • Water $55
  • Groceries $392
  • Transport $320
  • Healthcare $480
  • Federal tax $630
  • State tax $99
Couple
$5,638
per month
  • Rent $2,040
  • Energy $233
  • Water $65
  • Groceries $650
  • Transport $420
  • Healthcare $864
  • Federal tax $1,084
  • State tax $282
Family
$8,505
per month
  • Rent $2,717
  • Energy $291
  • Water $75
  • Groceries $986
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,084
  • State tax $282

Frequently asked questions about Toms River

Common questions about cost of living, rent and salary.

What is the average rent in Toms River?

In Toms River, New Jersey, a one-bedroom apartment averages $1,654 per month, a two-bedroom averages $2,040 per month, a three-bedroom averages $2,717 per month, according to HUD Fair Market Rent data.

What is the average salary in Toms River?

In Toms River, New Jersey, the average household income is $86,411 per year and individual earnings for full-time workers average $48,583 per year, according to U.S. Census Bureau data.

What is the cost of living in Toms River?

The estimated cost of living in Toms River, New Jersey is approximately $3,824 per month for a single person, $5,638 for a couple, $8,505 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Toms River?

The combined sales tax rate in Toms River, New Jersey is 6.63%, which includes the New Jersey state rate of 6.63% plus an average local rate of 0.00%.

Is Toms River an affordable place to live?

Based on the data, a single person in Toms River, New Jersey would need approximately $3,824 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $86,411 per year ($7,201 per month). Toms River has a moderate cost of living relative to local earnings.

How much does healthcare cost in Toms River?

The ACA marketplace benchmark premium in Toms River, New Jersey is approximately $480 per month for an individual. Approximately 4.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Toms River?

The average home value in Toms River, New Jersey is $366,600, with average annual property taxes of $6,499, according to U.S. Census Bureau data.

How does Toms River compare to other areas?

You can compare Toms River, New Jersey with any other US county using our comparison tool at /compare. Toms River is in the New York-Newark-Jersey City, NY-NJ metro area.

Other counties in New Jersey

Browse the full list of counties in New Jersey, ranked by cost of living.

See all counties in New Jersey

Compare Toms River with another area

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About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources