The dream for many New Jersey residents is to have a house "down the shore." If you already live at the shore, the dream might be to have a place right on the water.

What a lot of middle-class families would do is buy a house at the shore and rent it out every summer to pay the mortgage and then after 20 or 30 years, they'd have their shore house to themselves.

That plan may not actually work these days, with a few exceptions. If you haven't priced homes at the Jersey Shore in a while, brace yourself. Many of the homes we found for sale are well over a million dollars and not even close to the water.

Some lots are going for as much as $5 million.

Here are the 20 most expensive homes for sale at the Jersey Shore north of Long Beach Island. We'll have a list for the South Jersey shore as well.

21 of the most expensive homes for sale at the Jersey Shore (North)

Opinions expressed in the post above are those of New Jersey 101.5 talk show host Dennis Malloy only.

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