Pine Beach, New Jersey.
Typical home $585,401 (+6.3% in a year). New York-Newark-Jersey City, NY-NJ-PA metro.
to buy the typical home at today's mortgage rate — +$1,949 (+173%) since Jan 2020.
- 1 year
- Up $34,705 +6%
- $550,696$585,401 since Sep 2025
- 5 years
- Up $187,109 +47%
- $398,292$585,401 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Pine Beach$3,073
- New Jersey$3,019
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 9 years.
Typical home values in Pine Beach, NJ rose 6.3% over the past year — faster than the nation's +1.2%.
Living in Pine Beach, Ocean County, New Jersey
Pine Beach is a borough of 2,139 people in Ocean County. Half its households earn more than $142,920 a year and half less, against $89,863 across Ocean County; 3% of its people live below the poverty line. 94% of its homes are lived in by their owners and 6% are rented. Unemployment in Ocean County was 4.6% in August 2026, and the county had 1.5% more jobs in 2025 than the year before. The most people in Ocean County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Pine Beach is a small borough in Ocean County where nearly all homes are lived in by their owners. Household incomes run well above the county's, few residents live below the poverty line, and more adults hold a four-year degree than in many towns. Winters are cold and summers warm, with rain and melted snow spread fairly evenly through the year.
Work. Residents work mostly in schools, hospitals and social care, with others in shops, professional and business services, and the building trades. Across Ocean County, the largest workplaces include the Toms River Regional School District and Community Medical Center. Commutes are fairly typical for the area, and some residents work from home.
Things to do. In or beside town, Huddy Park is a place for a walk, and the Elizabeth Sculthorp Force House is a museum. A short drive away are Island Beach State Park, a protected shoreline area, and Casino Pier, an amusement park. Toms River is also a short drive away for time along the water.
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- 912households
- 51%of adults have a degree
- 3%below the poverty line
- 23 mintypical commute
- 12%work from home
What people in Ocean County work in
Employed residents by industry, from the Census survey. Ocean County had 192,715 jobs in 2025, 1.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 42° and lows near 22°; warmest in July, with highs near 86° and lows near 64°. About 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Toms River weather station, 3 miles away (NOAA).
Largest workplaces in Ocean County
- Toms River Regional School DistrictSchool district2,145FTE
- Community Medical CenterGeneral hospital1,986FTE
- HMH -ocean University Medical CenterGeneral hospital1,810FTE
- Brick Township Public School DistrictSchool district1,434FTE
- Jackson Township School DistrictSchool district1,357FTE
- Lakewood Township School DistrictSchool district1,285FTE
- Above and Beyond ABA CorporateOffices of mental health practitioners except physicians1,250
- Southern Ocean Medical CenterGeneral hospital888FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 235 workplaces with 20 or more staff, 31,195 people in all across the county; Pine Beach has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Pine Beach’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Ocean County and the New York-Newark-Jersey City, NY-NJ-PA metro.
Pine Beach home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Pine Beach$585,401
- New Jersey$575,123
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Pine Beach10
Zip codes with a Pine Beach address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Pine Beach — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.