What makes a shore town affordable for primary residence buyers?

Affordable shore towns balance coastal lifestyle with reasonable home prices, year-round amenities, schools, and community services that support everyday living rather than seasonal vacation use.

Which South Jersey shore towns are listed as most affordable?

Top affordable year-round shore towns include Toms River, Ocean City, the Seaside Heights/Lavallette area, and Brick Township — all offering home price ranges generally lower than many seasonal resort communities. :contentReference[oaicite:1]{index=1}

Are shore homes more expensive than inland homes in South Jersey?

Shore homes can be more expensive, especially in popular resort towns; however, markets like Toms River or Brick Township often provide better value than barrier island towns known for vacation properties. :contentReference[oaicite:2]{index=2}

Is year-round living possible in these shore towns?

Yes — beach towns with year-round populations offer services like schools, public transportation links, healthcare, and local businesses that cater to everyday residents as well as seasonal visitors. :contentReference[oaicite:3]{index=3}

What makes a Jersey Shore town affordable for year-round living?

Affordable Jersey Shore towns typically offer inland housing options, year-round services, schools, and community amenities while remaining close to beaches and coastal attractions.

Which Jersey Shore towns are best for primary residences?

Popular towns for primary residences include Toms River, Brick Township, Ocean City, and the Seaside Heights/Lavallette area due to affordability and year-round livability.

Is year-round living practical in Jersey Shore communities?

Yes. Many Jersey Shore towns support year-round residents with schools, healthcare access, shopping, and commuter routes while offering quieter winters.

Are shore homes more expensive than inland South Jersey homes?

Shore homes can carry higher prices in tourist-heavy areas, but towns like Brick Township and inland sections of Toms River often provide better value.

Published November 24, 2025

Affordable Shore Towns for Primary Residences: Toms River, Ocean City & More

Written by Mary Murphy

Modern two-story South Jersey suburban home with tan siding and an attached garage, set against a clear blue sky, overlaid with the text: Affordable Jersey Shore Towns to Live Year-Round: Toms River, Ocean City & More

The Jersey Shore isn’t just a summer destination—many South Jersey communities offer affordable, year-round coastal living. From family-friendly neighborhoods to towns with convenient commuting options, buyers can enjoy the shore lifestyle without the premium price tags of seasonal hotspots.

Mary Murphy, founder of The Murphy Group, explains:

“Living near the shore year-round can be both relaxing and practical. There are several towns that balance affordability, community, and access to beaches, making them perfect for families, retirees, and professionals.”

🏖️ 1. Toms River (Ocean County)

Why It’s Affordable:

A large town with a mix of older and new construction homes
Offers suburban comfort with parks, schools, and community amenities
Proximity to Route 37 allows easy commuting inland or to the shore

Approx. Home Price Range:
$350K–$500K

Lifestyle:
Suburban convenience, strong schools, and plenty of recreational options make it ideal for year-round living.

💬 Pro Tip: Homes slightly inland often provide better value while still being within minutes of the beach.

🌊 2. Ocean City

Why It’s Affordable:

Smaller year-round community compared to summer tourism population
Diverse housing stock: single-family homes, condos, and townhouses
Coastal lifestyle with boardwalk access and local events

Approx. Home Price Range:
$400K–$550K

Lifestyle:
Beachfront amenities combined with quiet winter months create a year-round coastal experience.

💬 Pro Tip: Consider homes in less touristic areas of the island for better pricing and neighborhood calm.

🏡 3. Seaside Heights / Lavallette Area

Why It’s Affordable:

Smaller communities with seasonal charm, yet strong year-round neighborhoods
Close-knit community feel with local shops and beach access
Opportunity to buy below peak seasonal prices

Approx. Home Price Range:
$325K–$475K

Lifestyle:
Ideal for buyers seeking shore living without paying premium for tourist-heavy districts.

💬 Pro Tip: Seek homes with strong winter accessibility and community amenities to enjoy off-season living.

🌳 4. Brick Township

Why It’s Affordable:

Larger suburban area with schools, parks, and shopping centers
Proximity to beaches like Mantoloking and Point Pleasant
Diverse housing options from starter homes to mid-sized family houses

Approx. Home Price Range:
$350K–$500K

Lifestyle:
Balanced suburban living with easy shore access, perfect for families or retirees seeking space and community.

📊 2025–2026 Shore Town Snapshot

Town	Median Price	Lifestyle & Amenities	Year-Round Appeal
Toms River	$425K	Suburban, family-friendly	Strong schools, parks, inland commuting
Ocean City	$475K	Coastal, boardwalk lifestyle	Year-round amenities, quiet winters
Seaside Heights / Lavallette	$400K	Beach-focused, close community	Small-town feel, seasonal moderation
Brick Township	$425K	Suburban with shore access	Parks, schools, and commuting convenience

💼 Buyer Insight

Year-Round Living vs. Vacation Use: Look for communities that support active winter months—schools, services, and amenities matter.
Consider Inland Locations: Homes slightly off the shoreline often provide better pricing while maintaining beach access.
Community & Lifestyle: Even affordable towns can offer active social, cultural, and recreational opportunities.

Mary Murphy notes:

“Affordable Jersey Shore towns allow buyers to enjoy coastal living year-round, while making smart financial choices. These markets balance lifestyle, value, and community.”

📈 Outlook for 2026

Price Trends: Expected moderate growth of 3–5% annually.
Inventory: Balanced, with a mix of starter homes and mid-range properties.
Lifestyle: Demand remains strong for family-friendly and commuter-accessible shore towns, providing long-term stability.

📲 Ready to Explore Affordable Jersey Shore Living?

Whether you’re seeking your first home, downsizing, or relocating to enjoy year-round shore life, The Murphy Group provides local expertise, market insights, and concierge-level service to help you find the perfect community.

Start your Jersey Shore home search today at www.mgsells.com