Is Phoenix, AZ cheaper than Toms River CDP, NJ?

Based on cost of living data, Phoenix, AZ is 24.4% cheaper than Toms River CDP, NJ. This translates to saving $1831 per month.

What salary do I need in Phoenix, AZ to live like I do in Toms River CDP, NJ?

If you earn $150,000 in Toms River CDP, NJ, you'd need approximately $128,033.342 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Toms River CDP, NJ and Phoenix, AZ?

Housing in Phoenix, AZ is 50.1% cheaper than in Toms River CDP, NJ. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ 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 Phoenix, AZ?

Moving from Toms River CDP, NJ to Phoenix, AZ could save you approximately $1831 per month, or $21967 per year, based on a $150,000 salary.

Toms River CDP, NJ vs Phoenix, AZ: 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 $1.8K/month moving to Phoenix, AZ

$150.0K in your current city equals $128.0K in Phoenix, AZ

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

Overall Cost

↓ 24.4%

Less expensive

Monthly Impact

$1,831

Savings

Annual Impact

$22.0K

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

Phoenix, AZ

Population:1608K

Cost Index:76

Median Home:$414K

Toms River CDP, NJ

The Garden State

93K

Population

State Tax

Yes

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

Phoenix, AZ

The Grand Canyon State

1.6M

Population

State Tax

Yes

Climate

Hot desert

Notable Facts

•Fastest growing major city
•Desert metropolis
•Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: Toms River CDP, NJ vs Phoenix, AZ

Category	Toms River CDP, NJ	Phoenix, AZ	Difference	Change
🏠Housing	$5,594/mo	$2,788/mo	↓ $2,805less	50.1%
🚗Transportation	$1,302/mo	$1,489/mo	↑ $187more	14.4%
🛒Groceries	$1,050/mo	$963/mo	↓ $87.04less	8.3%
🏥Healthcare	$620/mo	$589/mo	↓ $31.36less	5.1%
📦Other	$1,653/mo	$1,677/mo	↑ $24.54more	1.5%
⚡All Utilities	$541/mo	$561/mo	↑ $20.33more	3.8%

🏠Housing

↓ 50.1%

Toms River CDP, NJ

$5,594

Phoenix, AZ

$2,788

Difference

$2,805

less

🚗Transportation

↑ 14.4%

Toms River CDP, NJ

$1,302

Phoenix, AZ

$1,489

Difference

$187

🛒Groceries

↓ 8.3%

Toms River CDP, NJ

$1,050

Phoenix, AZ

$963

Difference

$87.04

less

🏥Healthcare

↓ 5.1%

Toms River CDP, NJ

$620

Phoenix, AZ

$589

Difference

$31.36

less

📦Other

↑ 1.5%

Toms River CDP, NJ

$1,653

Phoenix, AZ

$1,677

Difference

$24.54

⚡All Utilities

↑ 3.8%

Toms River CDP, NJ

$541

Phoenix, AZ

$561

Difference

$20.33

🏠Rent Comparison

Studio

From$1,996

To$1,390

↓ $606

1 Bed

From$2,348

To$1,510

↓ $838

2 Bed

From$2,901

To$1,750

↓ $1,151

3 Bed

From$4,006

To$2,330

↓ $1,676

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/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

$8,068

Monthly in Phoenix, AZ

$2,692

Difference

Home Values

Toms River CDP

Phoenix

Median Value

$414K

YoY Change

↓ -3.1%

5-Year Change

↑ +30.2%

Price Range

$274K - $957K

Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.2K

Per year

Monthly Difference

$183

More take-home

Effective Rate Diff

1.5%

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

Phoenix, AZ

Federal Income Tax

Effective: 18.9%

$25.5K

Arizona State Tax

Effective: 3.5%

$5.2K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.2%

$42.2K

Take-Home Pay

$8,979/month

$107.8K

Additional Tax Information

Toms River CDP, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Phoenix, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

💡 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.