Ocean County, New Jersey
Income Data
At a Glance
How Ocean County Compares
Detailed Income Statistics
Data Story
About Household Income in Ocean County, New Jersey
Ocean County earns 15% above national median
Ocean County's median household income of $86,411 exceeds the U.S. median of $74,755 by $11,656, positioning residents solidly above the national average. This moderate advantage reflects a mixed economy combining retirement communities, tourism, and manufacturing with professional employment.
Below-average income among New Jersey counties
At $86,411, Ocean County ranks toward the lower end of New Jersey's 21 counties, falling $14,480 short of the state median of $100,891. The county's income profile reflects its significant retiree population and mix of working-class and middle-income households.
Ocean County faces income headwinds regionally
Ocean County's $86,411 median income ranks among the lowest in this coastal region, trailing Monmouth County ($122,727) substantially and falling below Mercer County ($96,333) and Hudson County ($90,032). Only Passaic County ($87,137) earns slightly more, reflecting Ocean's economic challenges relative to northern New Jersey's prosperous counties.
Housing costs strain household budgets
Ocean residents spend 23.6% of household income on rent, well above the 20% affordability threshold and indicating tight housing affordability. With a median home value of $366,600, residents face constrained capacity to save and invest after covering core housing expenses.
Start small, think long-term
Ocean County's median household income of $86,411 requires disciplined financial planning to build wealth amid higher housing cost burdens. Begin with modest contributions to employer 401(k) plans, establish an emergency fund first, and gradually increase savings rates as income grows or housing costs stabilize.
Frequently Asked Questions
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Income Comparison Calculator
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Your income is above the Ocean County median
County median: $86,411 per year
vs. County Median
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vs. State Average
-14%
vs. National Median
+16%
Income Adequacy
Your monthly income ($7,201) vs. median rent ($1,702/mo). A ratio of 3.3x or higher means rent is under 30% of income.
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Compare RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.