Ocean County, NJ Average Home Price (2026)
The average home price in Ocean County, New Jersey is about $560,000 (the 2026 median across 29 ZIP codes, at ~$314/sq ft) — 2% more affordable than the New Jersey median and 94% more expensive than the typical U.S. home.
How Ocean County compares
Ocean County is relatively expensive for housing nationally: its typical home costs $560,000 against $573,000 for New Jersey and $289,000 for the U.S. Within the county, ZIP-level values run from about $274,000 to $2,230,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Ocean County | $560,000 | $314 |
| New Jersey | $573,000 | $327 |
| United States | $289,000 | $193 |
Cities in Ocean County
Cities with their own home-value page, largest first:
Ocean County home prices by ZIP code
The 15 most valuable ZIP codes in Ocean County (of 29 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 08738 Mantoloking | $2,230,000 | $1254 | +298% |
| 08008 Long Beach Township | $1,971,000 | $1195 | +252% |
| 08006 Barnegat Light | $1,737,000 | $1347 | +210% |
| 08735 Lavallette | $1,216,000 | $1117 | +117% |
| 08752 Seaside Park | $888,000 | $788 | +59% |
| 08742 Point Pleasant | $887,000 | $567 | +58% |
| 08751 Seaside Heights | $736,000 | $487 | +31% |
| 08732 Island Heights | $667,000 | $379 | +19% |
| 08527 Jackson | $639,000 | $306 | +14% |
| 08050 Manahawkin | $607,000 | $312 | +8% |
| 08701 Lakewood | $591,000 | $238 | +6% |
| 08741 Pine Beach | $586,000 | $299 | +5% |
| 08734 Lanoka Harbor | $578,000 | $348 | +3% |
| 08533 New Egypt | $575,000 | $314 | +3% |
| 08758 Waretown | $560,000 | $304 | +0% |
Home value appreciation in Ocean County
Home prices in Ocean County have risen about 106% over the last 10 years (≈7.5% a year) and +77.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.9% — still rising. A home worth $560,000 today was worth roughly $271,713 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New Jersey is +87.7% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Ocean County
Run the numbers for Ocean County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Ocean County
To buy the typical $560,000 home in Ocean County with 20% down, you need a household income of roughly $152,000 a year (about $3,550 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $181,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $28,000 | $4,420/mo | $189,000/yr |
| 10% (+PMI) | $56,000 | $4,220/mo | $181,000/yr |
| 20% | $112,000 | $3,550/mo | $152,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Ocean County
At about $314 per square foot, here is roughly how much home different budgets get you in Ocean County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 960 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1270 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1590 sq ft | around the typical home here |
| $600k | 1910 sq ft | around the typical home here |
| $750k | 2390 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New Jersey.
Estimate a specific home in Ocean County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Ocean County home prices: frequently asked
What is the average home price in Ocean County, NJ? +
What salary do you need to buy a house in Ocean County? +
Which part of Ocean County is most expensive? +
Are home values in Ocean County going up? +
Browse all New Jersey cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.