CitytisticsShortlist

Cost of living, pay and housing

39.94° N · 74.21° W · GEOID 3469510

South Toms River

Ocean County, New Jersey · part of the New York, NY metro

Limited data population under 5,000

New JerseySouth Toms River, NJSouth Toms RiverSouth Toms River

The short answer

South Toms River is home to 3,716 people. Median household income is $103,503 a year and median rent is $2,063 a month, 23.9% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $299,700, about 2.9x annual median household income.

Median gross rent
$2,063
51% above the median place
Median household income
$103,503
29% above the median place
Median home value
$299,700
6% below the median place
Unemployment
5.5%
11% above the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about South Toms River

  • Households average 3.44 people, larger than in 96% of the 2,480 places under 10,000 people we track. It is the 2nd-highest of 287 New Jersey places.
  • Owning with a mortgage costs about $148 a month less than the median rent, which is rarer than in 97% of places its size.
  • Median rent is $2,063 a month, higher than in 86% of places its size.
  • 16% of adults hold a bachelor's degree or higher, a smaller share than in 85% of places its size.
  • 20% of residents were born outside the US, more than in 83% of places its size.
01

Moving to South Toms River

Ocean County gains about 1.9 residents per 1,000 a year to moves between counties.

Moved in21,206
Moved out20,140
Net+1,066

Where people come from and where they go, top counties

Monmouth County, NJ4,6574,088+569
Burlington County, NJ6171,181−564
Kings County, NY1,548

Within New Jersey, other states or abroad

Arrivals
Leavers
Within New JerseyOther statesAbroad

Income per tax return

Arrivals$99K
Leavers$88K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Ocean County; flows under 20 returns are not published.

Who moves here
3.6% of residents arrived from another county in the past year, 1.2% from another state. County figure.
Who arrives and who leaves
Households moving into Ocean County report $99,200 a year in income on average; those leaving, $87,600, so newcomers earn more than leavers.
Income you would need
$82,500 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $2,063 a month; owners with a mortgage pay $1,915 a month including taxes and insurance, on a median home of $299,700.
Getting to work
28 minutes each way on average; 12.5% work from home.
If it is close but not quite
Ferndale, MD matches it on character. Compare the two
Moved here in the past year1
3.6%
38% below the median place
Income of households moving in8
$99,173
41% above the median place
Income of households moving out8
$87,578
25% above the median place
All 5 moving measures
MeasureSouth Toms RiverAmong 6,645 placesVs median
Moved here in the past year1County figure3.6%38% below
Moved from another state1County figure1.2%37% below
Net movers per 1,000 people8County figure1.9above (median -0.6)
Income of households moving in8County figure$99,17341% above
Income of households moving out8County figure$87,57825% above
02

What it costs to live here

Property tax rate is 2.0%, 122% above the median place.

South Toms River23.9%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$82,520
a year, at the 30% line
Rent to income
23.9%
17% above the median place
Home price to income
2.9x
24% below the median place

Could you afford it?

The median rent would take
24%
comfortably under the 30% line
Left after rent, in US prices
$75,300
a year
Vs the typical household here
Same
as the median household

Uses the median rent in South Toms River, $2,063 a month, and local prices for everything else (105.2 against a US average of 100). It runs in your browser and stores nothing.

Like South Toms River, but easier on the budget

Close matches on income, rent, home value, education and age, where rent takes a clearly smaller share of income.

PlaceRent to incomeMore left a year
Prairie Ridge, WA20.6% vs 23.9%$13,300Compare
Silver Lakes, CA17.8% vs 23.9%$18,700Compare
Summit View, WA20.8% vs 23.9%$8,900Compare

Moving from somewhere else? Work out the salary you would need in South Toms River.

Sponsored · exampleMoving to South Toms River? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Property tax rate1
2.0%
122% above the median place
Renters paying 30%+1
60.4%
19% above the median place
Property tax paid (median)1
$6,040
85% above the median place
All 16 cost and housing measures
MeasureSouth Toms RiverAmong 6,645 placesVs median
Median gross rent1$2,06351% above
Rent to income123.9%17% above
Property tax rate12.0%122% above
Home price to income12.9x24% below
Prices vs US average2Metro figure112.612% above
Fair market rent, 2 bedrooms3County figure$2,28341% above
HUD area median income4County figure$140,60031% above
Property tax paid (median)1$6,04085% above
Median home value1$299,7006% below
Home prices, 1-year change5County figure6.0%87% above
Home prices, 5-year change5County figure73.4%42% above
Homeownership177.7%17% above
Renters paying 30%+160.4%19% above
Owner costs with a mortgage1$1,9152% above
Vacant homes1County figure17.7%151% above
Median year built119661% below
03

Work and pay

Commutes by transit is 0.0%, below the median place (median 0.8%).

Commutes by transit1
0.0%
below the median place (median 0.8%)
Income per person1
$31,795
21% below the median place
Median household income1
$103,503
29% above the median place
All 10 work and pay measures
MeasureSouth Toms RiverAmong 6,645 placesVs median
Median household income1$103,50329% above
Income per person1$31,79521% below
Unemployment1County figure5.5%11% above
Average annual pay6County figure$58,84811% below
Pay growth, 1 year6County figure2.4%35% below
Jobs6County figure192,71528% above
Poverty rate1County figure10.5%3% below
Mean commute128 min12% above
Works from home1County figure12.5%0% above
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

Household size is 3.4, 38% above the median place.

Household size1
3.4
38% above the median place
No health insurance1
15.0%
134% above the median place
Bachelor's or higher1
15.6%
51% below the median place

More about who lives here, against the typical place

Homes with broadband86.6% −6%
Born abroad19.6% 2.2×
High school or higher86.2% −7%
Median age36.1 −7%
All 9 people measures
MeasureSouth Toms RiverAmong 6,645 placesVs median
Population13,7166646th largest
Population change since 202076.8%above (median 1.1%)
Median age136.17% below
Bachelor's or higher115.6%51% below
High school or higher186.2%7% below
Household size13.438% above
Born abroad119.6%122% above
No health insurance115.0%134% above
Homes with broadband186.6%6% below
05

Life in South Toms River

37 sites are on the National Register of Historic Places, 2 of them National Historic Landmarks.

Out the door, against the typical place

Parks per 10k residents10.8 +6%
Playgrounds per 10k13.5 +43%
Grocery stores per 10k0.0 −100%
Restaurants, cafes and bars per 10k8.1 −28%
Libraries per 10k0.0 −100%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

Businesses per 10,000 residents (county figures)

Restaurants and bars19.3 −7%
Shops31.4 +4%
Arts, recreation and fitness4.4 +7%
Doctors' offices and clinics22.2 +10%
Child care centers2.0 −13%

Counts businesses with paid staff, so small owner-run shops are not included.

Public schools13
1
89% below the median place
Public school students13
330
93% below the median place
Students per teacher13
12.2
21% below the median place
All 16 schools and local life measures
MeasureSouth Toms RiverAmong 6,645 placesVs median
Public schools13189% below
Public school students1333093% below
Students per teacher1312.221% below
Restaurants and bars per 10k9County figure19.37% below
Shops per 10k9County figure31.44% above
Arts, recreation and fitness per 10k9County figure4.47% above
Doctors' offices and clinics per 10k9County figure22.210% above
Child care centers per 10k9County figure2.013% below
Parks per 10k1010.86% above
Playgrounds per 10k1013.543% above
Grocery stores per 10k100.0below (median 2.1)
Restaurants, cafes and bars per 10k108.128% below
Libraries per 10k100.0below (median 0.9)
Named paths and bike trails100.0below (median 2.0)
Transit stops per sq mi100.0below (median 0.2)
National Register listings11County figure37185% above
06

Safety, weather and risk

Violent crime per 100k is 106, 45% below the median place.

Violent crime per 100k
106
45% below the median place
Property crime per 100k
396
67% below the median place
Months reported
12 of 12
by the city police department to the FBI

Counts only offenses reported by the city police department. Sheriff, state and campus police are not included, and some departments do not report to the FBI at all, so compare with care.

Wildfire risk15
95.2
56% above the median place
Hurricane risk15
93.2
32% above the median place
Tornado risk15
47.2
42% below the median place
All 11 weather and risk measures
MeasureSouth Toms RiverAmong 6,645 placesVs median
July average high14County figure86°F1% below
January average low14County figure25°F3% below
Average temperature14County figure54°F1% below
Annual precipitation14County figure47.3 in8% above
Natural hazard risk15County figure96.24% above
Hurricane risk15County figure93.232% above
Tornado risk15County figure47.242% below
Wildfire risk15County figure95.256% above
Heat wave risk15County figure95.76% above
Median air quality index16County figure399% below
Good air days16County figure78.8%15% above
08

South Toms River in 2030: where the trends point

If recent trends hold, the median rent will take about 24% of the median income in 2030, about the same as 24% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$2,063/mo (2024)$2,620/mo$2,150 to $3,190/mo+4.0%
Median household income$103,503 (2024)$131,000$111,000 to $155,000+4.0%
Median home value$299,700 (2024)$437,000$317,000 to $602,000+6.5%
Population3,895 (2025)4,0303,870 to 4,200+0.7%

The median home would be worth 3.3 years of the median income in 2030, against 2.9 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like South Toms River

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Ferndale, MD$2,022$94,948Compare
Valencia West, AZ$1,850$99,884Compare
Maricopa, AZ$1,998$96,391Compare
Cold Springs, NV$2,185$93,732Compare
Cold Springs, NVMaricopa, AZValencia West, AZFerndale, MDSouth Toms River, NJFerndaleValencia WestMaricopaCold SpringsFerndaleValencia WestMaricopaCold Springs

Common questions

Is South Toms River a good place to live?

It depends on what you need, so here is what the numbers say. Households average 3.44 people, larger than in 96% of the 2,480 places under 10,000 people we track. It is the 2nd-highest of 287 New Jersey places. Owning with a mortgage costs about $148 a month less than the median rent, which is rarer than in 97% of places its size. On cost, space and class size it scores 90 out of 100 for families. See how it ranks with your own weights.

Is South Toms River expensive to live in?

The median rent takes 23.9% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $299,700.

What salary do you need to live in South Toms River?

To rent the median home without spending more than 30% of income on rent, a household needs about $82,520 a year. Work it out from your current city.

Is South Toms River safe?

There were 106 reported violent crimes per 100,000 residents, against 192 in the typical place.

What places are similar to South Toms River?

On income, rent, home value, education and age, the closest matches are Ferndale, MD, Valencia West, AZ, Maricopa, AZ and Cold Springs, NV.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. Population Estimates · US Census Bureau · Vintage 2025
  8. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  9. County Business Patterns · US Census Bureau · 2023 data
  10. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Crime Data Explorer · Federal Bureau of Investigation · 2025 data
  13. Common Core of Data · National Center for Education Statistics · 2024 release
  14. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  15. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  16. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares South Toms River with places of a similar size, using only figures measured for South Toms River itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/south-toms-river-new-jersey

Citytistics. “South Toms River, New Jersey.” Data as of 2026-11-14. https://www.citytistics.com/city/south-toms-river-new-jersey/

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