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Homes for sale in Toms River, NJ range from affordable inland ranches and capes to barrier-island properties near the beach in Ortley Beach. Toms River is Ocean County’s largest township, and it gives buyers a mix of year-round family neighborhoods and shore-adjacent living at prices below most of the Monmouth County coast.
Toms River homes for sale right now
Live listings from the MLS, updated every 15 minutes. Save the ones you like and get an alert when a new home comes on the market.
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The Toms River housing market
The average sale price in 2025 was about $600,000 (NJ Division of Taxation), so verify current figures locally. Inland neighborhoods trade well below the township average, while the Ortley Beach and other barrier-island sections carry a real premium along with flood insurance considerations.
- Post-war ranches and capes in the inland year-round neighborhoods
- 55-plus and active adult communities scattered throughout the township
- Barrier-island homes near Ortley Beach, often used as seasonal or rental properties
- A mix of retirees, families, and investors buying shore rentals
Barrier-island and some low-lying inland sections of Toms River sit in FEMA flood zones, so factor flood insurance into your affordability math, and into the DSCR numbers if you are buying it as a rental.
Toms River Mortgage Payment Calculator
See what a home in Toms River could cost per month, then check it against your income. Taxes start at an estimate based on the 2025 average residential tax bill in Toms River (NJ Division of Taxation). Change any number to match a specific home or your lender’s quote.
Optional: check it against your income
Estimates only, not a loan offer or approval. Taxes and insurance vary by property, and FHA and private mortgage insurance vary by borrower and loan. Assumes a 30-year fixed loan. Learn how the ratios work in the 28/36 rule explained.
Buying in Toms River: financing
The 2026 FHA loan limit for Ocean County is $1,249,125 for a one-unit home, comfortably covering nearly all of Toms River's year-round housing stock. See FHA loan requirements in Ocean County, run your numbers with the NJ mortgage calculator, and start a pre-qualification before you make an offer, flood insurance included in the estimate.
Toms River homes for sale FAQ
What county is Toms River, NJ in?
Toms River is in Ocean County, the largest township in the county, with both inland neighborhoods and barrier-island shore sections like Ortley Beach.
What is the average home price in Toms River, NJ?
The average sale price in Toms River in 2025 was about $600,000, according to the NJ Division of Taxation. Barrier-island homes carry a real premium and inland homes trade below the average. Confirm current figures locally.
Are homes in Toms River, NJ in a flood zone?
Parts of Toms River, especially the barrier-island and some low-lying inland sections, are in FEMA flood zones. Budget for flood insurance and check the flood zone on any specific property before you make an offer.
How often do the listings on this page update?
Every 15 minutes, directly from the MLS.
How much is the monthly payment on a home in Toms River?
At the 2025 average sale price of about $600,000 with 10% down and an assumed 6.5% rate, the estimated payment is roughly $4,570 a month including property tax and insurance. Your payment depends on the price, down payment, rate and the specific property's taxes, so use the calculator above with your own numbers.
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