Is Denver, CO cheaper than Toms River CDP, NJ?

Based on cost of living data, Denver, CO is 19.4% cheaper than Toms River CDP, NJ. This translates to saving $1457 per month.

What salary do I need in Denver, CO to live like I do in Toms River CDP, NJ?

If you earn $150,000 in Toms River CDP, NJ, you'd need approximately $132,516.16 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Toms River CDP, NJ and Denver, CO?

Housing in Denver, CO is 41.9% cheaper than in Toms River CDP, NJ. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $2,901/month in Toms River CDP, NJ.

How much can I save per month by moving from Toms River CDP, NJ to Denver, CO?

Moving from Toms River CDP, NJ to Denver, CO could save you approximately $1457 per month, or $17484 per year, based on a $150,000 salary.

Toms River CDP, NJ vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Toms River CDP, NJ — COL adjusted from New York, NY area + state data

Current salary in Toms River CDP, NJ

Numbers update automatically as you type

You'd save $1.5K/month moving to Denver, CO

$150.0K in your current city equals $132.5K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 19.4%

Less expensive

Monthly Impact

$1,457

Savings

Annual Impact

$17.5K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Toms River CDP, NJ

Population:93K

Cost Index:100

Median Home:$1.05M

Denver, CO

Population:716K

Cost Index:81

Median Home:$513K

Toms River CDP, NJ

The Garden State

93K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 93K residents.

Denver, CO

The Centennial State

716K

Population

State Tax

Yes

Climate

Semi-arid

Notable Facts

•Mile-high city (5,280 ft)
•Outdoor recreation hub
•Major cannabis market

Major Industries

AerospaceTechnologyEnergyTourism

Cost Breakdown by Category

Annual spending: Toms River CDP, NJ vs Denver, CO

Category	Toms River CDP, NJ	Denver, CO	Difference	Change
🏠Housing	$5,594/mo	$3,248/mo	↓ $2,345less	41.9%
🚗Transportation	$1,302/mo	$1,462/mo	↑ $160more	12.3%
📦Other	$1,653/mo	$1,774/mo	↑ $122more	7.4%
⚡All Utilities	$541/mo	$519/mo	↓ $21.75less	4.0%
🛒Groceries	$1,050/mo	$1,029/mo	↓ $21.08less	2.0%
🏥Healthcare	$620/mo	$632/mo	↑ $12.01more	1.9%

🏠Housing

↓ 41.9%

Toms River CDP, NJ

$5,594

Denver, CO

$3,248

Difference

$2,345

less

🚗Transportation

↑ 12.3%

Toms River CDP, NJ

$1,302

Denver, CO

$1,462

Difference

$160

📦Other

↑ 7.4%

Toms River CDP, NJ

$1,653

Denver, CO

$1,774

Difference

$122

⚡All Utilities

↓ 4.0%

Toms River CDP, NJ

$541

Denver, CO

$519

Difference

$21.75

less

🛒Groceries

↓ 2.0%

Toms River CDP, NJ

$1,050

Denver, CO

$1,029

Difference

$21.08

less

🏥Healthcare

↑ 1.9%

Toms River CDP, NJ

$620

Denver, CO

$632

Difference

$12.01

🏛️ Local Income Taxes

Denver, CO: Denver Head Tax ($5.75/mo, negligible)$69.00/yr (0.0%)

Toms River CDP, NJ has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$1,996

To$1,720

↓ $276

1 Bed

From$2,348

To$1,840

↓ $508

2 Bed

From$2,901

To$2,190

↓ $711

3 Bed

From$4,006

To$2,870

↓ $1,136

Denver, COZIP-level data

1BR range: $1,620–$2,540/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$10,760

Monthly in Toms River CDP, NJ

$8,665

Monthly in Denver, CO

$2,095

Difference

Home Values

Toms River CDP

Denver

Median Value

$513K

YoY Change

↓ -4.2%

5-Year Change

↑ +13%

Price Range

$352K - $933K

Calculate payment - Denver

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $831

Per year

Monthly Difference

$69.21

More take-home

Effective Rate Diff

0.6%

Rate difference

Toms River CDP, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

Denver, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

Additional Tax Information

Toms River CDP, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Denver, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.