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Toms River, New Jersey Retirement Guide
established retirement community
44
Retirement Score
Toms River, New Jersey at a Glance
- Median Home Price
- $389,100
- State Income Tax
- State income tax; Social Security fully exempt; pension exclusion up to $100k for qualifying seniors.
- Avg January Low
- 29.8°F
- Cost of Living Index
- 108.8 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 44 / 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
$389,100High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,428High confidence
U.S. Census ACS 1-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)
25.3 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
41.9 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
25.3 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
84.9°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
29.8°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
50.4"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
282 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
3.5 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
2.2 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
92,827High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
42.3High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
18.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$92,012High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
80.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
6.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
34.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
7.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
83.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
4.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
10.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
3.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Toms River using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$843
Stress-case monthly carrying cost
$947
Median home price used: $389,100
Median rent reference: $1,428 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.