Camden, NJ vs Toms River, NJ

The cost of living difference between Camden, NJ and Toms River, NJ is dramatic. Camden is 34.7% cheaper than Toms River, a gap that translates to thousands of dollars per year in household expenses. Camden has a cost index of 79 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 Camden is $1,157/month compared to $1,678/month in Toms River — a 31% difference. Home values follow the same pattern: Camden is more affordable at $100,400 median vs $377,800.

Median household income in Camden is $40,450 compared to $95,759 in Toms River (-57.8%). 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 Camden spend roughly 34.3% 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.