Cost of Living in Monmouth County, NJ (2025 Full Guide for Homebuyers)

If you’re thinking about moving to Monmouth County in 2025, you’re not alone. With strong schools, beautiful beaches, great neighborhoods, and access to both NYC and the Jersey Shore, Monmouth County continues to be one of the most in-demand regions in New Jersey.

But what does it actually cost to live here?

This 2025 cost-of-living guide breaks down home prices, taxes, utilities, commuting, and what buyers can expect in top towns like Wall Township, Manasquan, Point Pleasant, Brielle, Spring Lake, and Brick.

1. Home Prices in Monmouth County (2025)

Housing is the largest factor in the cost of living, and prices vary significantly between towns.

🏡 Wall Township

• Strong value + larger lots

• Close to beaches

• Competitive but not as costly as coastal towns
  👉 Wall Township Homes for Sale

🌊 Point Pleasant

• Higher demand

• Waterfront + marina lifestyle
  👉 Point Pleasant Homes for Sale

🌅 Manasquan

• Walkable + coastal

• Very limited inventory → higher pricing
  👉 Manasquan Homes for Sale

💎 Spring Lake / Sea Girt

• Among the highest-priced towns in the county

• Luxury coastal markets

🏘️ Brick (affordable option)

• Lower home prices

• Strong entry-level market

2. Property Taxes in Monmouth County

New Jersey taxes are high in general — but Monmouth County’s vary by town.

Lower tax areas:

• Wall Township

• Howell

• Farmingdale

• Brick (Ocean County but often compared)

Higher tax areas:

• Manasquan

• Spring Lake

• Sea Girt

Taxes are a huge factor in long-term affordability, and many buyers pick Wall or Brick for the tax savings + location.

Want your personal estimate?
👉 Home Evaluation

3. Utilities & Everyday Costs

Most Monmouth County towns have similar expenses for:

• Gas & electric

• Water & sewer

• Internet & cable

• Trash collection

• Lawn/snow services

Town-to-town differences are minimal here — housing and taxes matter much more.

4. Commuting & Transportation Costs

Monmouth County is one of the easiest NJ regions for commuting.

Major commuter benefits:

• GSP access throughout

• Route 35, 34, 18, 195 easily reached

• Train stations in Point Pleasant Beach, Manasquan, Spring Lake, Belmar

• NYC commute possible

Fuel, tolls, and parking vary depending on job location, but Monmouth County offers more options than most coastal areas.

5. Shore Lifestyle Costs

Towns along the water have additional lifestyle expenses:

Coastal premiums include:

• Beach badges

• Parking fees

• Dining/entertainment

• HOA fees for some waterfront communities

• Flood insurance (depending on location)

Point Pleasant, Manasquan, and Spring Lake all carry higher “lifestyle premiums.”

Brick and Wall Township are more budget-friendly while still giving quick access to the beach.

Is Monmouth County Affordable in 2025?

Compared to other NJ coastal regions — YES.
But affordability depends on the town.

Best value towns:

✔ Wall Township
✔ Brick (Ocean County, but same lifestyle area)
✔ Howell

Higher-priced luxury towns:

✔ Spring Lake
✔ Sea Girt
✔ Manasquan

Should First-Time Buyers Consider Monmouth County?

Absolutely — but preparation matters.

Why first-timers love the area:

• Safe towns

• Great schools

• Easy commute options

• Tons of neighborhoods

• Long-term property stability

They just need to be ready to act quickly, especially in popular towns.

Thinking About Selling in 2025?

Sellers still benefit from:

• Low inventory

• Strong buyer demand

• High list-to-sale ratios

• Strong values in most towns

Get your free home valuation:
👉 Sell My Home
Wall sellers:
👉 Sell My Wall Home

🏠 Call Kyle for your home buying needs – 732-996-7872

Final Thoughts: Is Monmouth County a Good Place to Live?

Monmouth County remains one of the best regions in New Jersey thanks to its beaches, schools, neighborhoods, and long-term value. Whether you're looking for affordability (Brick/Wall), coastal lifestyle (Point Pleasant/Manasquan), or luxury markets (Spring Lake/Sea Girt), there’s a town for every budget.

If you want help comparing towns, pricing, or neighborhoods, I’m here to guide you through every step.