The median home in Toms River, New Jersey is valued at $447,579, up 3.0% year over year. Typical monthly rent is $3,009, producing a price-to-rent ratio of 12.4x — below the national average of 18x. Toms River is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$447,579

+3.0%

Rent$3,009/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Toms River.

Income (annual)

Down Payment

$89,516 on $447,579

Example: $75,000 household income. Change it above to see your own.

Out of reach52.8% of income

Need $141,471/yr to afford.

PITI$3,301

P/I52.8%

Afford$237K

Gap-$210K

P&I $2,263Tax $921Ins $117

Renting $292/mo cheaper ($3,009 rent)6.50% 30yr, 20% down, county tax + NJ ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New Jersey

Compare Toms River with other housing markets across New Jersey.

Deal$4.21M Alpine$2.96M Loch Arbour$2.88M Avalon$2.63M Stone Harbor$2.48M Bay Head$2.36M Sea Girt$2.3M Short Hills$2.26M

Full New York-Newark-Jersey City, NY-NJ-PA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the New York-Newark-Jersey City, NY-NJ-PA metro.

View New York-Newark-Jersey City, NY-NJ-PA metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Toms River, NJ