Salaries in Toms River CDP, NJ

You might think a Jersey Shore town like Toms River is all about summer rentals and boardwalk fries, but its real economic engine is quieter. The biggest paychecks here aren't for beachfront property managers; they're for Software Developers, who earn a median of $132,032. That's a surprising counterpoint to its seasonal reputation.

Let's talk real money. With a cost of living index of 112.5, you're paying 12.5% more than the national average for groceries, utilities, and yes, that $1,743/month one-bedroom rent. That hefty $90,593 median household income sounds great, but it doesn't stretch as far as you'd hope. For a Software Developer, that six-figure salary adjusts down to a COL-adjusted $117,362—a solid sum, but it shows how quickly the local premium eats into purchasing power. You're not getting a bargain here; you're paying for proximity to the shore and NYC commutes.

The local economy leans on healthcare, public sector jobs, and a surprising number of tech roles that support the region. Barnabas Health (now part of RWJBarnabas) is a massive employer, which explains why Registered Nurses consistently rank among the top earners. You'll also find a stable base of accountants and teachers, though their salaries (adjusted for COL) sit closer to the city's average of $50,152. The 4.2% unemployment rate is healthy, but it doesn't tell the whole story about wage growth.

Here's the honest catch: wages aren't keeping pace with the cost of living for most professions. The COL-adjusted average salary of $50,152 puts significant pressure on middle-class families, especially with a 34.6% bachelor's degree rate that's above the national average. This city works well if you're in a top-paying field like tech or healthcare, or if you're a dual-income household. It's a tougher sell for single earners or those in lower-paid sectors.

The data below breaks down who's winning and who's just getting by in this Jersey Shore hub.