Roshan gave a very good answer. I'd add one additional question: how old are your children, what grades are they in, and what are you looking for in a school system?
If you're willing to rent in one of the surrounding towns while you look for a house to buy, you'll have more choices. It sounds like a three (3) bedroom home would suit your needs, and you could rent one for less than you'd pay for four bedrooms.
Call, text or email me and I'd be glad to help.
Leonard â€œLenâ€ Dunikoski, GRI
Diane Turton Realtors â€“ Rumson Office
8 West River Road
Rumson, NJ 07760