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Homes for sale in Ocean County, NJ are generally more affordable than Monmouth, in a market built heavily around seasonal, retirement, and second-home buyers. Ocean County is the southern half of the Jersey Shore, from Point Pleasant down to Long Beach Island, plus the retirement communities inland.
Ocean County homes for sale right now
Live listings from Monmouth Ocean Regional MLS, updated every 15 minutes. Save homes and get alerts on new listings.
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The Ocean County housing market
The county median sale price has run in the mid-$400,000s to around $500,000 in recent years, verify current figures locally. The range is wide: Long Beach Island and Bay Head oceanfront at the top, inland Toms River, Manchester, and Berkeley 55-plus communities at the entry level.
- Barrier island: Long Beach Island, Seaside, Point Pleasant Beach
- Mainland shore: Brick, Toms River, Point Pleasant Borough
- 55-plus inland: Manchester, Whiting, Berkeley, Lacey
- Lakewood: large multi-family and new-construction market
Much of coastal Ocean County is in a FEMA flood zone, so flood insurance is a real cost on the barrier island and in bayfront mainland sections.
Buying in Ocean County: financing
The 2026 FHA loan limit for Ocean County is $1,249,125 for a one-unit home, so nearly the whole county is within FHA range. See FHA loan requirements in New Jersey, estimate a payment with the NJ mortgage calculator, and start a pre-qualification before you make an offer.
Ocean County homes for sale FAQ
What is the median home price in Ocean County, NJ?
The county median sale price has run in the mid-$400,000s to around $500,000 in recent years, generally more affordable than Monmouth County. Verify current figures locally.
Which towns are in Ocean County?
The barrier island (Long Beach Island, Seaside, Point Pleasant Beach); mainland shore towns (Brick, Toms River, Point Pleasant Borough); inland 55-plus communities (Manchester, Whiting, Berkeley); and Lakewood, which has a large multi-family and new-construction market.
Are Ocean County homes in flood zones?
Much of coastal Ocean County is in a FEMA flood zone. Flood insurance is a real line item on the barrier island and in the bayfront sections of the mainland towns.
What MLS do these listings come from?
Monmouth Ocean Regional MLS, updated every 15 minutes.
Save homes, get alerts. A free VeeCasa account keeps your Ocean County search running and emails you the moment a matching home is listed. Get started.
Ocean County town pages
Narrow your search by town: Toms River and Brick.
