HomeNew JerseyOcean CountyToms River
Toms River, New Jersey: commercial real estate data.
Toms River is a Census CDP of 94,956 people across 39.00 square miles of land, in Ocean County. Median household income is $100,137, 81.9 percent of occupied homes are owned, and the SBA record carries 214 7(a) approvals to borrowers here worth $80.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Toms River
What Toms River is
- Census place typeCDP
- Land area39 sq mi
- Water area1.55 sq mi
- Population per square mile of land2,435
- County holding the largest share of its areaOcean County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toms River
How many people live in Toms River
- Population94,956
- Median age41.4
- Population under 1821,140
- Share under 1822.3 percent
- Population 65 and over18,961
- Share 65 and over20.0 percent
- Households36,076
- Family households23,444
- Share of households that are families65.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toms River
Income and work in Toms River
- Median household income$100,137
- Per capita income$49,592
- Civilian labor force48,959
- Employed46,844
- Unemployed2,115
- Unemployment rate4.3 percent
- Adults 25 and over67,093
- Adults 25 and over with a high school diploma or higher93.0 percent
- Adults 25 and over with a bachelor degree or higher36.4 percent
- Adults 25 and over with a graduate degree12.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toms River
Housing in Toms River
- Housing units39,886
- Occupied units36,076
- Vacant units3,810
- Vacancy rate9.6 percent
- Owner occupied29,529
- Renter occupied6,547
- Ownership rate81.9 percent
- Median owner-occupied home value$403,600
- Median gross rent, monthly$1,731
- Annual rent as a share of median income20.7 percent
- Single family units32,877
- Share single family82.4 percent
- Units in buildings of two or more5,698
- Share in buildings of two or more14.3 percent
- Mobile homes1,311 plus or minus 382
- Median year structure built1978
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toms River
How Toms River gets to work
- Workers 16 and over who commute39,947
- Commuting under 15 minutes10,826
- Share commuting under 15 minutes27.1 percent
- Commuting 30 minutes or more16,150
- Share commuting 30 minutes or more40.4 percent
- Drove alone76.8 percent
- Carpooled8.0 percent
- Public transport0.3 percent plus or minus 0.2
- Walked0.4 percent plus or minus 0.3
- Worked from home12.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toms River
SBA loans in Toms River (7(a))
- Approvals214
- Gross approval$80,658,800
- Average approval$376,910
- Median approval$132,900
- Ninetieth percentile approval$861,960
- Largest approval$4,305,000
- Jobs supported1,475
- Jobs per approval6.9
- Loans with a final outcome35
- Paid in full26
- Charged off9
- Charge-off rate over resolved loans25.7 percent
- Median term120 months
- Share on real estate terms of 20 years or more13.1 percent
- Share to franchises5.1 percent
- Distinct lenders47
- Distinct industries by NAICS126
Counted by borrower city: approvals to borrowers whose address is in Toms River, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Toms River
SBA loans in Toms River (504)
- Approvals22
- Gross approval$23,063,000
- Average approval$1,048,318
- Median approval$585,500
- Largest approval$3,704,000
- Jobs supported179
- Loans with a final outcome8
- Charged off0
- Median term300 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Toms River, in any county, FY2010 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Toms River
Flood risk in Toms River
- NFIP communityTownship of Toms River
- NFIP community number345293
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date09/29/06
The Township of Toms River participates in the National Flood Insurance Program as community 345293 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Ocean County, not Toms River
Ocean County context, not Toms River figures
- Establishments in Ocean County15,020
- Covered employment, Ocean County189,912
- Average annual pay, Ocean County$57,452
- Housing units permitted, Ocean County3,706
Every figure in this section is published for Ocean County as a whole and is not a measurement of Toms River.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Toms River questions, answered from the record.
How many people live in Toms River, New Jersey?
94,956, in 36,076 households. Toms River CDP covers 39.00 square miles of land, which is 2,435 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Toms River in?
Ocean County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Toms River?
$100,137. The median owner-occupied home is valued at $403,600. Median gross rent is $1,731 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Toms River businesses?
214 7(a) approvals totaling $80.7 m since FY2020, across 47 lenders, median approval $132,900, plus 22 504 approvals worth $23.1 m since FY2010. These count approvals to borrowers whose address is in Toms River, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Toms River borrowers get paid back?
Of the 35 loans that have reached a final outcome, 26 were paid in full and 9 charged off, a charge off rate of 25.7 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Toms River in the National Flood Insurance Program?
Yes. Toms River appears in the FEMA Community Status Book as Toms River, township of, community 345293, carrying Community Rating System class 7, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Toms River figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Ocean County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Toms River.
Is zoning published for Toms River?
No. Nothing on this page presents parcel level zoning.