Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Toms River, NJ

For one person, living is cheaper in Toms River, NJ: $2,884 a month against $4,941 in New York, NY, rent and utilities included – about $24,700 less a year. Rent and utilities account for most of the difference.

239

Cost of Living Index in New York, NY
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New York, NY Living Index
138

Cost of Living Index in Toms River, NJ
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Toms River, NJ Living Index

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New York, NY

🇺🇸 United States

$4,941

/mo nomad

Toms River, NJ

🇺🇸 United States

$2,884

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Toms River, NJ

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in New York, NY and in Toms River, NJ actually costs, broken down by who's living it.

A single person spends $4,941 per month in New York, NY vs $2,884 in Toms River, NJ, rent included.

New York, NY $4,941
Toms River, NJ $2,884

A couple spends around $7,225 per month in New York, NY vs $4,311 in Toms River, NJ, rent included.

New York, NY $7,225
Toms River, NJ $4,311

A family of three spends $9,509 per month in New York, NY vs $5,738 in Toms River, NJ, rent included.

New York, NY $9,509
Toms River, NJ $5,738

New York, NY costs about 71% more than Toms River, NJ, and outside of rent the biggest gap is in transport.

Both New York, NY and Toms River, NJ sit above the global median – New York, NY by 263%, Toms River, NJ by 112%.

Meal at Budget Restaurant

$28.55 $28.55

$19.87 $19.87

43.68%

Three-Course Dinner for Two, Mid-Range

$118 $118

$74.2 $74.2

59.59%

Fast Food Meal (McDonalds, etc)

$15.04 $15.04

$12.05 $12.05

24.81%

Cappuccino

$6.53 $6.53

$5.53 $5.53

18.08%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.96 $3.96

$2.57 $2.57

54.09%

Water (0.33 liter bottle)

$3.01 $3.01

$1.86 $1.86

61.83%

Local Beer (0.5 liter draught)

$8.16 $8.16

$5.03 $5.03

62.23%

Imported Beer (0.33 liter bottle)

$9.84 $9.84

$6.89 $6.89

42.82%

Milk (1 liter)

$1.37 $1.37

$1.41 $1.41

-2.84%

White Bread (500g)

$4.97 $4.97

$4.61 $4.61

7.81%

Rice (white) (1kg)

$7.81 $7.81

$2.42 $2.42

222.73%

Eggs

$5.97 $5.97

$4.61 $4.61

29.50%

Local Cheese (1kg)

$18.91 $18.91

$16.29 $16.29

16.08%

Chicken Fillets (1kg)

$18.04 $18.04

$16.95 $16.95

6.43%

Beef Round Steak (1kg)

$19.05 $19.05

$16.81 $16.81

13.33%

Apples (1kg)

$6.76 $6.76

$5.98 $5.98

13.04%

Banana (1kg)

$2.27 $2.27

$1.30 $1.30

74.62%

Oranges (1kg)

$6.83 $6.83

$5.15 $5.15

32.62%

Tomato (1kg)

$7.09 $7.09

$5.92 $5.92

19.76%

Potato (1kg)

$4.22 $4.22

$1.58 $1.58

167.09%

Onion (1kg)

$4.65 $4.65

$2.74 $2.74

69.71%

Lettuce (1 head)

$2.87 $2.87

$2.53 $2.53

13.44%

Water (1.5 liter bottle)

$2.60 $2.60

$1.94 $1.94

34.02%

Cigarettes 20 Pack (Marlboro, Camel)

$18.77 $18.77

$9.84 $9.84

90.75%

Wine (Bottle)

$20.13 $20.13

$10.09 $10.09

99.50%

Local Beer (0.5 liter bottle)

$3.45 $3.45

$2.80 $2.80

23.21%

Imported Beer (0.33 liter bottle)

$4.02 $4.02

$3.42 $3.42

17.54%

One-way Ticket (Public Transport)

$2.91 $2.91

Public Transport Monthly Pass (Regular Price)

$139 $139

Taxi Start (Normal Tariff)

$3.08 $3.08

$2.99 $2.99

3.01%

Taxi (Normal Tariff) (1km)

$2.12 $2.12

$2.13 $2.13

-0.47%

Taxi 1hour Waiting (Normal Tariff)

$41.96 $41.96

$41.41 $41.41

1.33%

Gasoline (1 liter)

$1.17 $1.17

$0.92 $0.92

27.17%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$34.5K $34.5K

$30.8K $30.8K

12.08%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$25.9K $25.9K

$26.2K $26.2K

-1.36%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$219 $219

$243 $243

-9.53%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$74.2 $74.2

$37.24 $37.24

99.36%

Internet (50+ Mbps, Unlimited Data)

$70.2 $70.2

$62.0 $62.0

13.32%

Gym Membership (Monthly)

$112 $112

$30.15 $30.15

271.31%

Tennis Court (1 Hour on Weekend)

$74.9 $74.9

Cinema Ticket

$22.14 $22.14

$17.15 $17.15

29.10%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$3,558 $3,558

$3,103 $3,103

14.65%

International Primary School, 1 Child (Yearly)

$62.2K $62.2K

$34.4K $34.4K

80.71%

Jeans (Levis 501 Or Similar)

$75.6 $75.6

$69.8 $69.8

8.40%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$75.8 $75.8

-32.44%

Sport Shoes (Adidas, Nike)

$123 $123

$120 $120

2.30%

Men's Leather Business Shoes

$140 $140

$121 $121

15.10%

1-bedroom Apartment, City Center (Monthly)

$4,499 $4,499

$1,617 $1,617

178.15%

1-bedroom Apartment, Outside City Center (Monthly)

$3,078 $3,078

$1,527 $1,527

101.63%

3-bedroom Apartment, City Center (Monthly)

$9,447 $9,447

$2,900 $2,900

225.76%

3-bedroom Apartment, Outside City Center (Monthly)

$5,190 $5,190

$2,766 $2,766

87.61%

Buy Apartment in City Center (m2)

$18.1K $18.1K

Buy Apartment Outside City Center (m2)

$6,693 $6,693

Average Monthly Net Salary (After Tax)

$5,220 $5,220

$5,268 $5,268

-0.91%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.86

6.67

2.85%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for New York, NY: October 26, 2026

Last update for Toms River, NJ: October 24, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

New York, NY

$3.1K 62.3%

Toms River, NJ

$1.5K 53% 50.4% $1.6K

Groceries & Markets

New York, NY

$563 11.4%

Toms River, NJ

$445 15.4% 21% $118

Eating Out

New York, NY

$440 8.9%

Toms River, NJ

$318 11% 27.7% $122

Monthly Utilities & Internet

New York, NY

$364 7.4%

Toms River, NJ

$342 11.9% 6.1% $22

Clothing & Footwear

New York, NY

$175 3.6%

Toms River, NJ

$174 6% 0.6% $1.1

Getting Around

New York, NY

$164 3.3%

Toms River, NJ

$14 * 0.5% 91.7% $151

Sport & Entertainment

New York, NY

$156 3.2%

Toms River, NJ

$64 2.2% 58.7% $92

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $4,499 in New York, NY versus $1,617 in Toms River, NJ. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $118 in New York, NY versus $74 in Toms River, NJ. Monthly groceries follow the same trend: $563 vs $445 – making Toms River, NJ the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Toms River, NJ

🕒 Local time

19:15 7:15 PM

Same time as New York, NY

🌤 Weather

👥 Population

8,804,190

95,438

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.898 EUR

Exchange rates and currency converter

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New York, NY Toms River, NJ 76 km

From you

New York, NY
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Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

New York, NY vs Toms River, NJ: Cost of Living - Frequently Asked Questions

New York, NY costs about 71% more than Toms River, NJ, and outside of rent the gap comes mainly from transport. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $7,412 per month in New York, NY and $4,326 in Toms River, NJ. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Toms River, NJ, especially for central apartments: a one-bedroom in the center costs $1,617 there versus $4,499 in New York, NY.

Monthly expenses with rent come to $4,941 in New York, NY and $2,884 in Toms River, NJ. That makes Toms River, NJ about 42% cheaper.

Kindergarten costs $3,558 per month in New York, NY and $3,103 in Toms River, NJ. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,500 is a stretch for both – monthly costs hit $4,941 in New York, NY and $2,884 in Toms River, NJ. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Toms River, NJ – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.