Cost of Living in Ocean County, NJ

What does it cost to live in Ocean County? Income, housing, and affordability breakdown.

Median Income

$82,379

Median Rent

$1,639/mo

Median Home

$343,500

Affordability

288

Housing Cost Breakdown

Owning (20% down, 6.5%)

Mortgage (P&I)$1,737
Property Tax$535
Insurance$115

Total Monthly$2,387
% of Income34.8%

Renting

Median Rent$1,639
Renter's Insurance$25

Total Monthly$1,664
% of Income23.9%

Living in Ocean County, New Jersey

Ocean County has a median household income of $82,379 with housing costs that represent 34.8% of income for owners and 23.9% for renters. Housing costs exceed the recommended 30% threshold, suggesting affordability challenges.

The affordability index of 288 (100 = median income perfectly covers median housing costs) gives a quick snapshot. Use our calculator for a comprehensive comparison across counties, including taxes, utilities, healthcare, and commute costs.

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Other Counties in New Jersey

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Bureau of Labor Statistics, Bureau of Economic Analysis. Estimates are county-level medians. This is not financial advice.