Monmouth Beach, NJ vs Oxford, NJ

The cost of living difference between Monmouth Beach, NJ and Oxford, NJ is dramatic. Oxford is 140.7% cheaper than Monmouth Beach, a gap that translates to thousands of dollars per year in household expenses. Monmouth Beach has a cost index of 180 while Oxford sits at 75, 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 Monmouth Beach is $2,169/month compared to $858/month in Oxford — a 153% difference. Home values follow the same pattern: Oxford is more affordable at $175,000 median vs $918,100.

Median household income in Monmouth Beach is $140,074 compared to $77,188 in Oxford (+81.5%). The higher salaries in Monmouth Beach partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Monmouth Beach spend roughly 18.6% of their income on rent, more than the 13.3% in Oxford.