Jersey City vs Toms River: Insurance Agent Salary (2026)
Compare insurance agent salaries between Jersey City, NJ and Toms River, NJ. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Jersey City, NJ | Toms River, NJ |
|---|---|---|
| Median Salary | $84,955▲ | $73,284 |
| Hourly Rate | $40.84▲ | $35.23 |
| Entry Level (P10) | $49,274▲ | $46,641 |
| 25th Percentile | $61,219▲ | $56,639 |
| 75th Percentile | $108,743▲ | $93,803 |
| Top Earner (P90) | $131,681▲ | $113,589 |
| Total Employed | 42▲ | 17 |
Verdict
Jersey City, NJ offers better overall compensation for insurance agents, winning 4 out of 4 metrics compared to Toms River.
The salary gap between Jersey City and Toms River is $11,671 (15.93%). Jersey City's median is +31.67% compared to the US national median of $64,522.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Jersey City spans $82,407,Toms River spans $66,948. Jersey City has a wider pay range, meaning more potential for high earners but also more variation.
Cost-of-Living Adjusted Comparison
After cost-of-living adjustment, Jersey City ($73,746 effective) pays 15.93% more than Toms River ($63,615 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Jersey City if…
- ✓Higher median salary ($84,955/year)
- ✓Better top-earner potential ($131,681)
- ✓Larger job market (42 employed)
- ✓Better purchasing power (CoL-adjusted: $73,746)
- ✓You prefer the New Jersey area and lifestyle
Choose Toms River if…
- ✓You prefer the New Jersey area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, insurance agent salaries in Jersey City grew -17.1% from 2024 to 2025, compared to -24.0% growth in Toms River over the same period.
Jersey City, NJ
$98,968 (2024) → $82,003 (2025)
Toms River, NJ
$93,134 (2024) → $70,737 (2025)
View Full Salary Data
Jersey City, NJ
Toms River, NJ
Frequently Asked Questions
Which city pays insurance agents more: Jersey City or Toms River?
What is the hourly rate difference between Jersey City and Toms River?
Should I relocate from Jersey City to Toms River as a insurance agent?
What do entry-level insurance agents earn in Jersey City vs Toms River?
Written by Jordan Lee, MBA
Career Analyst
Jordan has over 10 years of experience in the insurance industry. He specializes in property and casualty insurance. He has worked in both agency and corporate settings.
Methodology & Data Source
All salary figures are 2026 projections based on BLS OEWS May 2025 data. A 3.60% CAGR (derived from 6-year national BLS trends) was applied to estimate current compensation. Cost-of-living adjustments use BEA Regional Price Parity data. Actual salaries vary by employer, certifications, and experience.
Data Sources & Methodology
Source: BLS, OEWS , released .
Compiled and verified by Jordan Lee, MBA, a licensed insurance agent with 10+ years of clinical experience. · View source data at BLS.gov