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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
Median prices have run in the $440,000 to $505,000 range in recent years, verify current figures locally, making Toms River one of the more affordable large townships in the region. 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.
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 median home price in Toms River, NJ?
Median prices have run in the $440,000 to $505,000 range in recent years, below most Monmouth County shore towns. Barrier-island homes carry a real premium. 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.
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