Bergenfield cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexBergenfieldNew JerseyNational
Cost of living index129127100
IndexBergenfieldNew JerseyNational
Goods & Services index114114100
Groceries index106104100
Health care index100100100
Housing index175166100
Transportation index107107100
Utilities index109110100
A general overview of the cost of living index for Bergenfield, NJ is displayed above. In Bergenfield, NJ, the overall cost of living index is 129, which is 2% higher than the New Jersey average and 29% higher than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Bergenfield, NJ, the city's goods and services are equal to the New Jersey average and 14% higher than the U.S. average.

Did you know?

  • The cost of living in Bergenfield is 2% higher than the New Jersey average.
  • The cost of living in Bergenfield is 29% higher than the national average.
  • The cost of housing in Bergenfield is 75% higher than the national average.
  • New Jersey general sales tax is 37% higher than the national average.
  • New Jersey state income tax is 37% lower than the national average.

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Compare Bergenfield, NJ Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current salary in Bergenfield, NJ to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Bergenfield, NJ, then you would need to earn more income in order to maintain the same standard of living. To use the Bergenfield, NJ salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$98,647$8,221$2,302$2,960
Renters$42,652$3,554$995$1,280
The affordability of the housing market in Bergenfield, NJ as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Bergenfield, NJ homeowners, the median income is $98,647. This indicates that a monthly maximum of $2,302 should be spent by homeowners on all housing related costs. Renters have a median income of $42,652. This indicates that renters should have a maximum of $995 used for their rent related monthly costs.

New Jersey Sales Tax

StateGeneral Sales TaxWith Max Surtax
New Jersey7%7%

New Jersey Income Tax

StateIncome Tax (Low)Income Tax (High)
New Jersey1.4%8.97%
When you are determining the total cost of living in Bergenfield, NJ you will want to make sure you consider both the New Jersey sales tax and the New Jersey income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in New Jersey is 7%, with the highest surtax being 7%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in New Jersey have a range from 1.4% to 8.97%.

Goods & Services

ItemBergenfieldNational avg.Difference
Haircut $21.07$15.5635.3%
Beauty Salon $37.27$36.113.2%
Toothpaste $2.00$2.4719.2%
Shampoo $0.99$0.962.6%
Movie $12.15$10.1320.0%
Bowling $4.22$4.7411.0%

Groceries

ItemBergenfieldNational avg.Difference
Ground Beef $3.70$3.987.2%
Fried Chicken $1.60$1.4113.9%
Milk $2.41$2.0616.8%
Potatoes $2.72$2.988.7%
Pizza $8.23$9.4713.1%
Beer $8.92$8.791.5%

Health Care

ItemBergenfieldNational avg.Difference
Optometrist $114.67$101.0413.5%
Doctor $97.00$107.449.7%
Dentist $100.58$90.4211.2%
Ibuprofen $8.64$9.286.9%
Lipitor $377.50$426.5011.5%

Housing

ItemBergenfieldNational avg.Difference
Home Price $341,400.00$175,700.0094.3%
Avg. Mortgage Payment $1,788.76$1,133.2357.8%
Apartment Rent $1,198.00$920.0030.2%

Transportation

ItemBergenfieldNational avg.Difference
Gasoline $1.95$1.992.3%
Tire Balancing $58.03$45.7626.8%

Utilities

ItemBergenfieldNational avg.Difference
All Electricity$168.80$163.813.0%
Phone $33.50$28.3918.0%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Greenville, NY5731033%
East Orange, NJ64,53811313%
Newark, NJ278,75011515%
Silver Lake, NJ3,59411919%
Paterson, NJ146,34111919%
Bergenfield, NJ27,15712929%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Glen Cove, NY27,16115858%
Kankakee, IL27,14587-13%
Norco, CA27,14314343%
Fortuna Foothills, AZ27,18198-2%
Windsor, CA27,11314949%
Bergenfield, NJ27,15712929%
Source: The Bergenfield, NJ cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.