Atlantic City, NJ vs Toms River, NJ

The cost of living difference between Atlantic City, NJ and Toms River, NJ is dramatic. Atlantic City is 31.5% cheaper than Toms River, a gap that translates to thousands of dollars per year in household expenses. Atlantic City has a cost index of 83 while Toms River sits at 121, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Atlantic City is $1,084/month compared to $1,678/month in Toms River — a 35% difference. Home values follow the same pattern: Atlantic City is more affordable at $189,600 median vs $377,800.

Median household income in Atlantic City is $36,220 compared to $95,759 in Toms River (-62.2%). While Toms River is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Atlantic City spend roughly 35.9% of their income on rent, more than the 21% in Toms River. The Toms River ratio exceeds the commonly recommended 30% threshold, which can put pressure on household budgets.