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Ocean City, New Jersey Retirement Guide
established retirement community
45
Retirement Score
Ocean City, New Jersey at a Glance
- Median Home Price
- $664,100
- State Income Tax
- State income tax; Social Security fully exempt; pension exclusion up to $100k for qualifying seniors.
- Avg January Low
- N/A
- Cost of Living Index
- 108.8 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 45 / 100
Retirement Data
Affordability
Cost of Living Index
108.8 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$664,100High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,404High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security fully exempt; pension exclusion up to $100k for qualifying seniors.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)Data not available
Aging-in-Place Score (proxy)
72.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access ScoreData not available
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
72.2 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
1.9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
11,260High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
56.9High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
33.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$98,576High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
72.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
8.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
54.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
10.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
86.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
3.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
8.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Ocean City using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,439
Stress-case monthly carrying cost
$1,616
Median home price used: $664,100
Median rent reference: $1,404 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.