This section is generated from cached city metrics and clearly labeled state-level benchmarks. It is meant to make the South Toms River page less generic and more useful for comparing housing, income, utilities, taxes, insurance, demographics, and nearby alternatives.
Affordability Summary
Population is 3,701, so South Toms River should be compared with similar-size places before using broader New Jersey averages. Median household income is $101,466, so the best affordability read for South Toms River is income versus housing, taxes, utilities, and insurance together.
Median home value is $269,200, so ownership costs in South Toms River should be checked with mortgage, property tax, insurance, and maintenance assumptions. Two-bedroom rent is $2,019/mo, so renters can compare South Toms River against ownership costs and nearby rental markets.
Housing and Income Context
For South Toms River, household income runs high enough that housing choice can dominate affordability. Home values sit in a moderate range where taxes and utilities still change the monthly math.
Use the home value, rent, and income fields together before deciding whether South Toms River looks more favorable for renting, buying, or comparing with Holiday City South, NJ.
Utility Cost Context
The residential electricity benchmark is $0.235/kWh, so South Toms River households should treat usage, home size, heating, and cooling as the practical bill drivers. The electricity value shown for South Toms River is a New Jersey state-level EIA benchmark, so it should not be read as a local provider tariff.
For South Toms River, utility planning is stronger when the electric benchmark is paired with home age, square footage, insulation, HVAC equipment, and household occupancy.
Property Tax Context
Median property tax paid is $6,069, so South Toms River buyers should still verify parcel-specific tax records before budgeting. Parcel boundaries, exemptions, school districts, and reassessment rules can move the actual bill for a South Toms River address.
Compare the property tax field with home value rather than reading it by itself; a lower tax bill can still pair with a different assessment base or exemption profile.
Insurance and Risk Context
Insurance costs in South Toms River depend on address-level factors such as roof condition, structure age, coverage limits, claims history, deductible choice, and carrier underwriting.
Home value, tax burden, and insurance exposure should be reviewed together for South Toms River, especially when comparing with Holiday City South, NJ.
Population and Demographics
Median age is 33.4, so South Toms River may have different school, commute, healthcare, and housing demand patterns than a statewide average. Bachelor+ share is 16.3%, so South Toms River education context can be useful when reading labor-market and school sections.
Unemployment is 4.8%, so South Toms River wage and job-market context should be compared with commute options and regional employment centers.
