Published October 2, 2026 in Market Update

More homes are coming on in Toms River, but buyers are still signing contracts

By Jim Flanagan

Real estate, Toms River

Here is the one thing that matters most right now. The Real Estate Data Aggregator counted 652 homes for sale across Toms River in the three months ending July 31, 2026. That is up 24.4% from the same months in 2025. You have more competition as a seller than you did a year ago. That is just true, and I want you to know it.

But here is what makes this market interesting. Pending sales across Toms River rose too. The Real Estate Data Aggregator counted 700 pending sales, up 4.9% from a year before. More homes came on, and buyers kept signing. The market did not stall.

Nationally, Realtor.com reported active listings grew 5.5% year over year, topping 1.16 million homes for sale. Toms River's 24.4% inventory jump is well above that pace. This market added supply faster than the country did. If you are selling here, that context matters.

Rates are another factor buyers are sitting with. CNBC reported the average contract rate on a 30-year fixed mortgage hit 7.30% as of September 30, 2026. Mortgage News Daily put it even higher, at 7.58% that same day. That is the highest since January 2025, according to Realtor.com. Higher rates slow some buyers down. They have not stopped deals here, but they do shape what buyers can afford.

ZIP 08753: the strongest part of the market

ZIP 08753 covers parts of Toms River including East Dover, Silverton, and the Village Section. The Real Estate Data Aggregator put the median sale price here at $560,000 for the three months ending July 31, 2026. That is up 8.2% from a year before. Homes sold in 21 days at the median, same as a year ago. And the average home sold at 100.2% of list price.

Nearly 43.4% of homes in 08753 sold above list price, according to the Real Estate Data Aggregator. That is up 1.3 points from a year ago. Still, only 26% of homes went under contract within two weeks of listing, down 5.3 points. Buyers are still buying, but they are taking a little more time.

ZIP 08755: more inventory, slower pace

ZIP 08755 covers North Dover. The Real Estate Data Aggregator counted 138 homes for sale here, up 20% from a year before. The median sale price came in at $439,000, down 9.5% from the same period in 2025. That is a real drop, and I want to say it plainly. Homes are taking longer too: 38 days at the median, which is 6 days longer than a year ago.

Here is the honest read on 08755. The price dipped and homes are sitting longer. But pending sales jumped 20.6%, the strongest gain of any Toms River ZIP code. Buyers are moving in this part of town. Pricing matters more here than it did a year ago.

ZIP 08757: where Holiday City and Silver Ridge Park sit

ZIP 08757 is home to active adult communities including Holiday City and Silver Ridge Park. These are older 55+ communities: mostly ranches built from the 1960s through the 1980s, with lower dues and simpler amenities. They draw local downsizers and value-minded buyers. That buyer pool shapes what the numbers look like here.

The Real Estate Data Aggregator counted 290 homes for sale in 08757, up 48% from a year before. That is the sharpest inventory jump of any Toms River ZIP code. The median sale price was $355,000, up just 1.4%. Homes took 32 days to sell at the median, 2 days longer than a year ago. Months of supply rose 1.4 months to 3.5.

The share of homes that sold above list price fell 7.8 points to 23.6%, according to the Real Estate Data Aggregator. And 21.5% of homes went under contract within two weeks, down 3.3 points. If you own in Holiday City or Silver Ridge Park, you are in the most competitive part of the Toms River market right now. Pricing your home carefully is the thing that makes the difference.

How the three ZIP codes compare

The Federal Housing Finance Agency reported U.S. house prices rose 2.6% from July 2025 to July 2026. The strongest part of Toms River, ZIP 08753, beat that national pace by a wide margin at 8.2%. ZIP 08757 matched it roughly at 1.4%. ZIP 08755 moved the other way, down 9.5%. One town, three very different stories.

Nationally, Realtor.com reported that 20.8% of listings took a price cut in September, the highest share since October 2022. That is a reminder that overpricing a home right now is a real risk, not just a theory. Buyers have more choices. They notice.

One more thing worth saying. These are ZIP code numbers. Your street can read differently from the whole ZIP. A community like Holiday City or Silver Ridge Park has its own rhythm. I look at those specifics before I tell you anything about your home.