Last update: Oct 2026

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

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.

138

Cost of Living Index in Toms River, NJ
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Toms River, NJ Living Index
239

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

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Toms River, NJ

🇺🇸 United States

$2,884

/mo nomad

New York, NY

🇺🇸 United States

$4,941

/mo nomad

Monthly Cost of Living

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

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

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

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

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

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

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

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

Toms River, NJ is about 42% cheaper than New York, NY, and outside of rent the biggest gap is in transport.

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

Meal at Budget Restaurant

$19.87 $19.87

$28.55 $28.55

-30.40%

Three-Course Dinner for Two, Mid-Range

$74.2 $74.2

$118 $118

-37.34%

Fast Food Meal (McDonalds, etc)

$12.05 $12.05

$15.04 $15.04

-19.88%

Cappuccino

$5.53 $5.53

$6.53 $6.53

-15.31%

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

$2.57 $2.57

$3.96 $3.96

-35.10%

Water (0.33 liter bottle)

$1.86 $1.86

$3.01 $3.01

-38.21%

Local Beer (0.5 liter draught)

$5.03 $5.03

$8.16 $8.16

-38.36%

Imported Beer (0.33 liter bottle)

$6.89 $6.89

$9.84 $9.84

-29.98%

Milk (1 liter)

$1.41 $1.41

$1.37 $1.37

2.92%

White Bread (500g)

$4.61 $4.61

$4.97 $4.97

-7.24%

Rice (white) (1kg)

$2.42 $2.42

$7.81 $7.81

-69.01%

Eggs

$4.61 $4.61

$5.97 $5.97

-22.78%

Local Cheese (1kg)

$16.29 $16.29

$18.91 $18.91

-13.86%

Chicken Fillets (1kg)

$16.95 $16.95

$18.04 $18.04

-6.04%

Beef Round Steak (1kg)

$16.81 $16.81

$19.05 $19.05

-11.76%

Apples (1kg)

$5.98 $5.98

$6.76 $6.76

-11.54%

Banana (1kg)

$1.30 $1.30

$2.27 $2.27

-42.73%

Oranges (1kg)

$5.15 $5.15

$6.83 $6.83

-24.60%

Tomato (1kg)

$5.92 $5.92

$7.09 $7.09

-16.50%

Potato (1kg)

$1.58 $1.58

$4.22 $4.22

-62.56%

Onion (1kg)

$2.74 $2.74

$4.65 $4.65

-41.08%

Lettuce (1 head)

$2.53 $2.53

$2.87 $2.87

-11.85%

Water (1.5 liter bottle)

$1.94 $1.94

$2.60 $2.60

-25.38%

Cigarettes 20 Pack (Marlboro, Camel)

$9.84 $9.84

$18.77 $18.77

-47.58%

Wine (Bottle)

$10.09 $10.09

$20.13 $20.13

-49.88%

Local Beer (0.5 liter bottle)

$2.80 $2.80

$3.45 $3.45

-18.84%

Imported Beer (0.33 liter bottle)

$3.42 $3.42

$4.02 $4.02

-14.93%

One-way Ticket (Public Transport)

$2.91 $2.91

Public Transport Monthly Pass (Regular Price)

$139 $139

Taxi Start (Normal Tariff)

$2.99 $2.99

$3.08 $3.08

-2.92%

Taxi (Normal Tariff) (1km)

$2.13 $2.13

$2.12 $2.12

0.47%

Taxi 1hour Waiting (Normal Tariff)

$41.41 $41.41

$41.96 $41.96

-1.31%

Gasoline (1 liter)

$0.92 $0.92

$1.17 $1.17

-21.37%

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

$30.8K $30.8K

$34.5K $34.5K

-10.78%

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

$26.2K $26.2K

$25.9K $25.9K

1.38%

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

$243 $243

$219 $219

10.54%

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

$37.24 $37.24

$74.2 $74.2

-49.84%

Internet (50+ Mbps, Unlimited Data)

$62.0 $62.0

$70.2 $70.2

-11.75%

Gym Membership (Monthly)

$30.15 $30.15

$112 $112

-73.07%

Tennis Court (1 Hour on Weekend)

$74.9 $74.9

Cinema Ticket

$17.15 $17.15

$22.14 $22.14

-22.54%

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

$3,103 $3,103

$3,558 $3,558

-12.77%

International Primary School, 1 Child (Yearly)

$34.4K $34.4K

$62.2K $62.2K

-44.66%

Jeans (Levis 501 Or Similar)

$69.8 $69.8

$75.6 $75.6

-7.75%

Summer Dress (H&M, Zara, etc)

$75.8 $75.8

$51.2 $51.2

48.03%

Sport Shoes (Adidas, Nike)

$120 $120

$123 $123

-2.25%

Men's Leather Business Shoes

$121 $121

$140 $140

-13.12%

1-bedroom Apartment, City Center (Monthly)

$1,617 $1,617

$4,499 $4,499

-64.05%

1-bedroom Apartment, Outside City Center (Monthly)

$1,527 $1,527

$3,078 $3,078

-50.40%

3-bedroom Apartment, City Center (Monthly)

$2,900 $2,900

$9,447 $9,447

-69.30%

3-bedroom Apartment, Outside City Center (Monthly)

$2,766 $2,766

$5,190 $5,190

-46.70%

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)

$5,268 $5,268

$5,220 $5,220

0.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

6.86

-2.77%

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

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

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

Monthly budget structure

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

Accommodation & Living

Toms River, NJ

$1.5K 53%

New York, NY

$3.1K 62.3% 102% $1.6K

Groceries & Markets

Toms River, NJ

$445 15.4%

New York, NY

$563 11.4% 26.5% $118

Monthly Utilities & Internet

Toms River, NJ

$342 11.9%

New York, NY

$364 7.4% 6.5% $22

Eating Out

Toms River, NJ

$318 11%

New York, NY

$440 8.9% 38.4% $122

Clothing & Footwear

Toms River, NJ

$174 6%

New York, NY

$175 3.6% 0.6% $1.1

Sport & Entertainment

Toms River, NJ

$64 2.2%

New York, NY

$156 3.2% 142% $92

Getting Around

Toms River, NJ

$14 * 0.5%

New York, NY

$164 3.3% 1106% $151

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

Cost Breakdown

A central one-bedroom costs $1,617 in Toms River, NJ versus $4,499 in New York, NY. 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 $74 in Toms River, NJ versus $118 in New York, NY. Monthly groceries follow the same trend: $445 vs $563 – making Toms River, NJ the more affordable choice for daily food spending.

Good to know

🇺🇸 Toms River, NJ

🇺🇸 New York, NY

🕒 Local time

18:17 6:17 PM

Same time as Toms River, NJ

🌤 Weather

👥 Population

95,438

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.898 EUR

Exchange rates and currency converter

On the map

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Between locations

Toms River, NJ New York, NY 76 km

From you

Toms River, NJ
New York, NY

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

Toms River, NJ vs New York, NY: 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 $4,326 per month in Toms River, NJ and $7,412 in New York, NY. 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 $2,884 in Toms River, NJ and $4,941 in New York, NY. That makes Toms River, NJ about 42% cheaper.

Kindergarten costs $3,103 per month in Toms River, NJ and $3,558 in New York, NY. 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 $2,884 in Toms River, NJ and $4,941 in New York, NY. 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.