Cost of Living in Toms River, NJ - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $999 (excluding rent), and $2,798 including rent.

Family of 3: Estimated monthly costs are $2,961 (excluding rent), and $5,719 including rent.

Meal at Budget Restaurant

$18.2 $18.2

$14.96 $14.96

$52.7 $52.7

Three-Course Dinner for Two, Mid-Range

$79.1 $79.1

$73.5 $73.5

$245 $245

Fast Food Meal (McDonalds, etc)

$11.08 $11.08

$9.85 $9.85

$17.23 $17.23

Cappuccino

$5.01 $5.01

$4.11 $4.11

$9.25 $9.25

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

$2.27 $2.27

$1.95 $1.95

$4.86 $4.86

Water (0.33 liter bottle)

$1.27 $1.27

$0.98 $0.98

$3.9 $3.9

Local Beer (0.5 liter draught)

$4.9 $4.9

$11.75 $11.75

Imported Beer (0.33 liter bottle)

$6.45 $6.45

$5.95 $5.95

$14.87 $14.87

Milk (1 liter)

$1.34 $1.34

$1.08 $1.08

$2.68 $2.68

White Bread (500g)

$5.19 $5.19

$3.36 $3.36

$10.04 $10.04

Rice (white) (1kg)

$2.45 $2.45

$13.49 $13.49

Eggs

$4.62 $4.62

$3.02 $3.02

$10.57 $10.57

Local Cheese (1kg)

$17.52 $17.52

$9.29 $9.29

$44.41 $44.41

Chicken Fillets (1kg)

$16.37 $16.37

$7.12 $7.12

$24.06 $24.06

Beef Round Steak (1kg)

$16.78 $16.78

$13.44 $13.44

$33.61 $33.61

Apples (1kg)

$5.76 $5.76

$2.16 $2.16

$10.89 $10.89

Banana (1kg)

$1.29 $1.29

$6.48 $6.48

Oranges (1kg)

$5.07 $5.07

$2.17 $2.17

$10.87 $10.87

Tomato (1kg)

$6.26 $6.26

$2.16 $2.16

$10.83 $10.83

Potato (1kg)

$1.5 $1.5

$8.55 $8.55

Onion (1kg)

$2.79 $2.79

$2.2 $2.2

$6.68 $6.68

Lettuce (1 head)

$2.54 $2.54

$1.53 $1.53

$5.42 $5.42

Water (1.5 liter bottle)

$2.03 $2.03

$1.41 $1.41

$3.57 $3.57

Cigarettes 20 Pack (Marlboro, Camel)

$9.87 $9.87

$20.73 $20.73

Wine (Bottle)

$10.12 $10.12

$25.33 $25.33

Local Beer (0.5 liter bottle)

$2.87 $2.87

$1.68 $1.68

$4.17 $4.17

Imported Beer (0.33 liter bottle)

$3.82 $3.82

$2.02 $2.02

$7.05 $7.05

One-way Ticket (Public Transport)

$1.96 $1.96

$1.23 $1.23

$1.96 $1.96

Taxi Start (Normal Tariff)

$4.88 $4.88

$2.94 $2.94

$7.83 $7.83

Taxi (Normal Tariff) (1km)

$2.18 $2.18

$3.13 $3.13

Taxi 1hour Waiting (Normal Tariff)

$42.71 $42.71

$30.51 $30.51

$45.76 $45.76

Gasoline (1 liter)

$0.79 $0.79

$0.76 $0.76

$1.15 $1.15

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

$35.4K $35.4K

$25.3K $25.3K

$36.7K $36.7K

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

$27.8K $27.8K

$25.2K $25.2K

$38.7K $38.7K

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

$184 $184

$111 $111

$411 $411

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

$29.44 $29.44

$19.62 $19.62

$98.1 $98.1

Internet (50+ Mbps, Unlimited Data)

$63.1 $63.1

$50.2 $50.2

$100 $100

Gym Membership (Monthly)

$29.69 $29.69

$17.32 $17.32

$49.5 $49.5

Cinema Ticket

$14.59 $14.59

$25.16 $25.16

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

$3,133 $3,133

$2,475 $2,475

$4,125 $4,125

International Primary School, 1 Child (Yearly)

$58.4K $58.4K

$51K $51K

$66.3K $66.3K

Jeans (Levis 501 Or Similar)

$67.5 $67.5

$40.31 $40.31

$90.7 $90.7

Summer Dress (H&M, Zara, etc)

$47.99 $47.99

$24.97 $24.97

$74.9 $74.9

Sport Shoes (Adidas, Nike)

$115 $115

$81.5 $81.5

$153 $153

Men's Leather Business Shoes

$168 $168

$98.3 $98.3

$246 $246

1-bedroom Apartment, City Center (Monthly)

$1,652 $1,652

$1,202 $1,202

$1,860 $1,860

1-bedroom Apartment, Outside City Center (Monthly)

$1,524 $1,524

$1,016 $1,016

$1,524 $1,524

3-bedroom Apartment, City Center (Monthly)

$2,889 $2,889

$2,534 $2,534

$3,244 $3,244

3-bedroom Apartment, Outside City Center (Monthly)

$2,790 $2,790

$1,694 $1,694

$2,790 $2,790

Average Monthly Net Salary (After Tax)

$4,960 $4,960

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

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

Last update: December 2, 2025

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City tags:

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Cost of Living in Toms River, NJ - Frequently Asked Questions

On balance, Toms River offers a softer price rhythm than many Northeast hubs, with a practical mix of costs for housing, groceries, and day-to-day services. You’ll find mid-range rentals and family-friendly neighborhoods that balance space and value, plus dining and shopping options that stay budget-friendly with careful planning. Transit is workable, though some trips benefit from having a car; proximity to beaches adds seasonal price patterns, but off-peak periods stay reasonably calm. Compare subscriptions, utilities, and rent rather than sticker prices to gauge true affordability. Cost of Living in Toms River, NJ, United States living cost guides you toward balanced budgeting and steady routines. Tip: Plan a two-week trial to test your routine.

Daily life revolves around practical choices. In housing searches, start with coastal neighborhoods offering space for a desk and a commute to beach towns; consider rental types like single-family homes, townhomes, or smaller apartment blocks with parking. Food options range from local markets, seafood counters, and casual eateries to neighborhood supermarkets; seasonal seafood can shape menus and costs. For transport, a car helps, but buses and rideshares cover gaps; bike lanes add a pleasant option for short trips. When you factor in living costs, be mindful of utilities in summer and winter. Toms River, NJ, United States living cost guides you toward balanced budgeting and steady routines. Tip: Build a simple weekly plan to guide shopping and errands.

Quality of life comes from a mix of pace, access to outdoors, and reliable services. Build a simple budgeting framework: separate fixed costs, flexible spends, and a small buffer for seasonal swings. In neighborhoods, seek places with easy access to the shore, parks, and dining, but check transit or parking options if you don’t drive. Off-season calm and summer activity shape routines; grocery and entertainment prices reflect crowds, so plan ahead. Casual co-working spots, libraries, and community centers can reduce work-space costs. Prioritize fit by trialing a few areas at different times of day and seasons. Tip: map your week and walk or bike a few routes to test comfort.