Perth Amboy, NJ vs Toms River, NJ

Perth Amboy, NJ and Toms River, NJ have a very similar cost of living, with only a 3.8% difference in their overall index. Perth Amboy scores 117 while Toms River scores 121 on the cost of living index, where 100 represents the national average. The day-to-day expenses for residents in both cities are comparable, though differences emerge when looking at specific categories.

On the housing front, median rent in Perth Amboy is $1,629/month compared to $1,678/month in Toms River — a 3% difference. Home values follow the same pattern: Perth Amboy is more affordable at $339,200 median vs $377,800.

Median household income in Perth Amboy is $58,490 compared to $95,759 in Toms River (-38.9%). 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 Perth Amboy spend roughly 33.4% 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.