Toms River, NJ vs Union City, NJ

Toms River, NJ and Union City, NJ have a very similar cost of living, with only a 0.1% difference in their overall index. Toms River scores 121 while Union City 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 Toms River is $1,678/month compared to $1,489/month in Union City — a 13% difference. Interestingly, home values tell a different story: while Union City has cheaper rent, Toms River actually has lower median home values ($377,800 vs $446,800).

Median household income in Toms River is $95,759 compared to $65,369 in Union City (+46.5%). 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 Toms River spend roughly 21% of their income on rent, less than the 27.3% in Union City.