Worthy Investments: Waterfront Homes in Jersey Shore

by | Aug 9, 2017

Tired of paying for expensive hotels, cottages, or condo rentals for vacation stays? Want an investment that includes a mortgage interest tax deduction? Jersey Shore vacation home is a great option for you.


We don’t normally think of vacation properties as investments, but there are times and under certain circumstances, they can be one of the best investments you can make. Aside from the perks of having a permanent vacation destination, as well as having your very own place to escape to and relax, you can rent it out when not in use, and it can be a potential retirement home.

There are a number of homes for sale on the Jersey Shore. Information on multiple listings can be obtained from a real estate agent. There are many Real Estate Agencies at the Jersey Shore. Many places of business at the Jersey Shore have Real Estate magazines that you can take for free.


Why buy a shore house?

From a real estate investment perspective, a shore location is a very big deal. There’s nothing like lying in bed on a summer night listening to the gentle roll of the waves, with the nice sea breeze and everything like that. Indeed you will be paying a premium to either own or rent oceanfront or on the beach block. But having all the pleasures a beach can offer right at your own premise, you don’t need to go to resorts and pay so much just to experience something for a while. With your on shore home, you have the beach, the sun, and the breeze all day every day.


Whether your purpose for investing in real estate is to have it as a vacation home or as a permanent home, you could never go wrong with a Jersey Shore property.


You can buy a property as a vacation home, and later you can have it as your permanent home, or you can rent it out. If you’re concern about whether it is good for a family with kids, it is. All Shore towns are good for families. The beach with the ocean, sun and other children is always an ideal place for everyone.


Why Jersey Shore?

As anyone from New Jersey can attest, the Jersey Shore is one of the best places in the world. It has a bad reputation thanks to MTV, but Seaside Heights only represents like, one percent of Shore culture. The 100-plus miles of oceanfront that stretch from central New Jersey to the southern tip of the state are filled with tiny towns and cities that are each fantastically unique.


It is one of the best places to live in the US. Location wise, you’ve got sea, sand, sun every day. It has a great neighborhood, lovely people and culture where everything is relaxed and comfortable.


Here are the 10 places in Jersey Town where you’ll find a good deal for real estate investment:



1 Ocean City


In Ocean City, the boardwalk is extensive and kid-friendly with multiple arcades and rides. The food is classic seashore with saltwater taffy you can watch being made. The town is very clean, well regulated, and police are visible all the time. This city is a blue town, which means it has strict regulations for alcohol consumption.

In Ocean City, median sales prices have stayed strong, hovering in the $400,000-to-$500,000 range since before the recession. This town made it through the recession and hurricane better than any other southern Shore town.


2 Cape May


Cape May is one of the nation’s oldest and most beloved resort towns and just a brief drive through the streets of this famous island will show you why. Its breathtaking Victorian architecture is sure to make you feel as though you’ve traveled back in time. The southernmost point in all of New Jersey has so much to offer for your beach dream home.

Cape May was recognized as one of America’s top 10 beaches by the Travel Channel and its beach was ranked fifth in New Jersey in the 2008 Top 10 Beaches Contest sponsored by the New Jersey Marine Sciences Consortium.


3 Sea Girt


If you want more of tranquility and privacy, Sea Girt is a great choice for you. It was originally farmland.

When a lighthouse was built, the rest of the town took shape. Sea Girt is a small, peaceful community, and is a nice change-of-pace from bustling resort towns.


4 Wildwood


Wildwood is a resort city that sits on a barrier island known for its wide, sandy beaches. The iconic The Wildwood Boardwalk features several amusement parks and shops, most notably three piers collectively known as Morey’s Piers.

Due to the distance of the ocean from the boardwalk, the beach is home to many sporting events, concerts, and monster truck rallies in view of the boardwalk. Sightseer tram car runs along the long Wildwood Boardwalk, which is packed with eateries, shops, waterparks and thrill rides.

Wildwood was ranked the best beach in New Jersey in the 2008 Top 10 Beaches Contest sponsored by the New Jersey Marine Sciences Consortium.

Wildwood is one of five municipalities in the state that offer free public access to oceanfront beaches monitored by lifeguards.


5 Seaside Heights


Some people equate Seaside Heights as the home to the MTV show Jersey Shore, but you will find that it has much more to offer. Its beach offer surfing and swimming during the season, and the boardwalk has something for everyone. Seaside Heights offers exciting nightlife and restaurants for every appetite. Enjoy a cup of coffee at Coffee Talk or have dinner at Midway Steak House.

The Casino Pier still offers attractions for all ages. Thrill-seekers can enjoy rides such as Disk’O and Super Storm, while kids can take a spin on Dizzy Dragon or float on a water boat.


6 Long Beach Island



Long Beach Island offers traditional fun for beach lovers of all ages.  You can spend the day relaxing under the summer sun or building sand castles at one of the many beaches. Spend time with the family at the Fantasy Island Amusement Park, where there is a ride for everyone.

The amusement park also offers a family-style arcade, games and an old-fashioned ice cream parlor. There are also a number of decent restaurants in the area.

The island’s close-knit communities are largely affluent and contain vacation homes for wealthy individuals who reside elsewhere, primarily New Jersey as well as New York, Pennsylvania, and Connecticut.



7 Point Pleasant Beach



If you want palm trees, come and live in Point Pleasant Beach! You can feel like you’re on a vacation in Florida without even leaving the state. You can always have a family-friendly beachside fun in Point Pleasant Beach. Another highlight of Point Pleasant Beach is Jenkinson’s Boardwalk. The boardwalk also has a mini golf, arcades and batting cages. Plus, there is an amusement park with rides likes Crazy Bus, Motor Jump, Boardwalk Bounce, Starship, Pendolo and Bumper Cars.


8 Stone Harbor


Bordered on the East by the Atlantic Ocean and on the West by the Intercoastal Waterway, Stone Harbor offers plenty for the entire family if you decide to live here.

The New York Times describes Stone Harbor as a place of “gleaming McMansions and elegant shops”, with an average single-family home selling for $2.5 million in 2008.

In 2014, Forbes magazine ranked Stone Harbor (ZIP code 08247) as #191 on its list of the most expensive ZIP codes in the United States, based on median home sale prices after being ranked 47th in the magazine’s 2006 listing.

As of 2001, Worth magazine ranked Stone Harbor at 101 on its list of the Richest Towns in America, based on median annual real estate prices.


9 Margate


Margate is a quiet, peaceful, close-knit beach community. It’s perfect for those looking to get away from the busy bustle of traditional beach towns and just relax.

It’s a great place to reside in. It has endless, pristine beaches for you to soak up the sun or go for a swim.  It has world-class dining, with something for every palette. Margate also has great shops and stores that offer everything from clothes to beauty supplies to novelty items.

Many houses in Margate are second homes used during the summer, and a considerable number are owned by year-round residents. Unlike in other places, such as Cape May or Ocean City, where many visitors spend a few nights in a hotel, Margate has no hotels, so most of the people who choose this town are regulars. Unlike other area towns such as Ocean City and the municipalities on Long Beach Island, weekly house or condominium rentals are almost non-existent in Margate.


10 Sea Isle City


Located in Cape May County, Sea Isle City is a town that truly for every beach lover and family. Its beaches offer swimming, surfing, rafting, kayaking, volleyball, sailboat launching, kite board launching and surf fishing.

After a long day at the beach, kids can enjoy the rides at Gillian’s Funland Pier. It offers rides like mini bumper cars, a carousel, Kite Flyers and the Wacky Worm Roller. Sea Isle City also has a Historical Museum, mini-golf at Pirate Island Golf, and stores such as Sunsations or Heritage Surf and Sport.

Sea Isle City is a beach town with most of its housing used for vacation rentals and second homes. It has a 1.5-mile (2.4 km) beachfront promenade starting at 29th street and ending on 57th street and several arcades, shops, restaurants and bars in the center of town. The epicenter of the town is 48th Street.


Other Areas in Jersey Shore

Spring Lake, Brielle, Manasquan all offer white beaches and a small town community feel with no crime, low taxes and beautiful seashore homes that everyone wants whether part-time resident or seasonal resident.

If you decide to buy a vacation home instead of a permanent one, here are some important things you need to know when investing on a Jersey Shore vacation home:



You will need at least a 15% down payment. Be aware that in addition to your regular monthly mortgage cost, you will also have to factor in expenses for insurance (perhaps even required flood insurance), furniture, utilities, condo, club, or community fees, taxes, property management fees, travel costs, and maintenance expenses.

Frequency of use

If you will be occupying the property only for a few weeks each year, is it really worth it to buy rather than rent? You might want to consider this. But you can always rent it out for the rest of the year as well when not in use.


Tax ramifications

Owning a second property, especially if you gain rental income from it, will affect your tax situation in some way. Ask your accountant for advice to avoid surprises in April.



The list of cities in Jersey Shore presented above is of great locations. But there are other things you still need to consider. Have you spent much time in the area you have chosen? Is it near enough to your current home to make traveling back and forth reasonable in terms of time and expense?

Visit the community often and at different times of the year before deciding that this is the place for you. Talk to neighbors, consider your privacy needs, look for a level lot and landscaping, and assess your need for a view and/or amenities.


Retirement plans

If you are planning to retire to this home in the future, be aware that your interests and physical abilities may change eventually. Think about the home‘s layout and accessibility especially stairs, weather-related restrictions and ramifications, and your physical condition and limitations at that time. Envision what your life will be later on. Will lounging at the beach still be part of your lifestyle?


Renting the property

If you plan on renting your house when you’re not using it, consider the housekeeping needs. Just as you must do preventive maintenance on your current home, your vacation property will require the same care. Will you hire a property management service? Ask your tax adviser about how much of the upkeep and management expenses are deductible.


So, there you have it. Happy house hunting!