Oh man, can't believe you're leaving WPB. I LOVE that city. Sure it's hot and humid, but at least you don't have to deal with the cold and snow which is the norm up here for about half the year. People are rude down there? And you're moving to NJ of all places to get away from that? Good luck!
My cousin lives down there and has never mentioned anything about the bugs being an issue.
Anyway, a budget of 1200 is very low for a "nice" area. Your husband is right, you should definitely avoid Camden, Millville, Bridgeton, and most of Vineland. The nicer towns are closer to Philly - Moorestown, Cherry Hill, Medford, etc....but of course it's more expensive there. You might be able to find something cheaper out in the boonies - places like Shamong, Southampton, or parts of Hammonton.