How much do homeowners pay a month in Toms River, NJ?

Name: Homeowner costs in Toms River, NJ, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Toms River, NJ pay a median of $2,358 (±$62) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $877 (±$44).

66.1% of owned homes carry a mortgage.

In Toms River, the median monthly cost with a mortgage went from $2,144 in 2015–2019 to $2,358 in 2020–2024 (+10.0%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Figures last updated on November 12, 2026.

With a mortgage: $2,358 (±$62)
Without a mortgage: $877 (±$44)
Owned with a mortgage: 66.1%

Monthly owner costs in Toms River

Median selected monthly owner costs, estimate (90% margin of error)
	Toms River	Ocean County	New Jersey	United States
With a mortgage	$2,358 (±$62)	$2,330 (±$24)	$2,829 (±$8)	$1,963
Without a mortgage	$877 (±$44)	$920 (±$17)	$1,232 (±$6)	$638
Owned homes with a mortgage	66.1% (±2.2 points)	58.7% (±0.9 points)	63.9% (±0.2 points)	60.6%
Median real estate taxes (a year)	$6,349 (±$110)	$6,562 (±$55)	$9,590 (±$25)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Toms River, the median cost with a mortgage is not measurably different from Ocean County ($2,330).

It is also lower than in New Jersey ($2,829).

It is higher than the national figure ($1,963).

In Ocean County, Toms River ranks 10 of 26 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 158 of 247.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Toms River have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$2,144 (±$40)	$2,358 (±$62)	+10.0%	Down after inflation
Median real estate taxes	$5,670 (±$93)	$6,349 (±$110)	+12.0%	Down after inflation
Median home value	$289,400 (±$3,599)	$403,600 (±$9,925)	+39.5%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Toms River

Nearest places with a published estimate, compared with Toms River
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Toms River	—	$2,358 (±$62)	—
Leisure Village East	3.3 mi	$1,464 (±$145)	Lower
Leisure Village	3.4 mi	$1,275 (±$97)	Lower
Silver Ridge	3.4 mi	$1,225 (±$504)	Lower
Pine Lake Park	3.8 mi	$2,505 (±$229)	Not measurably different
Holiday City South	3.8 mi	$1,446 (±$167)	Lower
South Toms River Borough	4.0 mi	$1,915 (±$181)	Lower
Pine Beach Borough	4.2 mi	$2,323 (±$153)	Not measurably different
Island Heights Borough	4.3 mi	$2,475 (±$291)	Not measurably different

Nearby places with a measurably lower figure: Leisure Village East, NJ ($1,464), Leisure Village, NJ ($1,275), Silver Ridge, NJ ($1,225).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Ocean County, place by place

Rank	Place	Median monthly cost with a mortgage
4	Cedar Glen Lakes	$3,000 (±$612)
5	Beach Haven West	$2,927 (±$226)
6	Barnegat	$2,786 (±$304)
7	Waretown	$2,656 (±$772)
8	Dover Beaches North	$2,540 (±$407)
9	Pine Lake Park	$2,505 (±$229)
10	Toms River	$2,358 (±$62)
11	Vista Center	$2,324 (±$285)
12	Ocean Acres	$2,317 (±$73)
13	Forked River	$2,281 (±$161)
14	Manahawkin	$2,259 (±$255)
15	Mystic Island	$1,866 (±$112)
16	New Egypt	$1,852 (±$203)

Showing 13 of 26 places in Ocean County, ranked from highest to lowest.

Toms River is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

It lies inside Toms River Township, whose figures include it.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Toms River

What is the average mortgage payment in Toms River?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Toms River, NJ is $2,358 (±$62) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Toms River?

Owners without a mortgage in Toms River pay a median of $877 (±$44) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Toms River gone up?

In Toms River, the median monthly cost with a mortgage went from $2,144 in 2015–2019 to $2,358 in 2020–2024 (+10.0%).

Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Toms River CDP, New Jersey (place:73110, in state:34).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.