South Plainfield 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.
IndexSouth PlainfieldNew JerseyNational
Cost of living index130127100
IndexSouth PlainfieldNew JerseyNational
Goods & Services index113114100
Groceries index102104100
Health care index102100100
Housing index178166100
Transportation index106107100
Utilities index109110100
A general overview of the cost of living index for South Plainfield, NJ is displayed above. In South Plainfield, NJ, the overall cost of living index is 130, which is 2% higher than the New Jersey average and 30% 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 South Plainfield, NJ, the city's goods and services are 1% lower than the New Jersey average and 13% higher than the U.S. average.

Did you know?

  • The cost of living in South Plainfield is 2% higher than the New Jersey average.
  • The cost of living in South Plainfield is 30% higher than the national average.
  • The cost of housing in South Plainfield is 78% 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 South Plainfield, NJ Cost of living To Other Cities

Salary Calculator

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Using the salary calculator lets you compare the salary you earn in South Plainfield, NJ to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in South Plainfield, NJ, you have to earn a higher income in order to still have the same standard of living. To operate the South Plainfield, NJ salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$97,555$8,130$2,276$2,927
Renters$62,404$5,200$1,456$1,872
One can approximate the cost of living and the housing affordability in South Plainfield, NJ by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in South Plainfield, NJ have a median income of $97,555. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,276 per month to avoid calamity and poverty. The renters in the city have an income of about $62,404, which would make their monthly maximum allowable rental costs $1,456.

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%
For those who live in South Plainfield, NJ and want to know what the true cost of living is, they ought to look at both the New Jersey income tax rate and the New Jersey sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In New Jersey, the sales tax is 7%, while the most you'll pay in surtax is 7%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in New Jersey, the income tax rate ranges between 1.4% to 8.97%.

Goods & Services

ItemSouth PlainfieldNational avg.Difference
Haircut $19.80$15.5627.2%
Beauty Salon $31.53$36.1112.7%
Toothpaste $2.04$2.4717.4%
Shampoo $0.96$0.960.9%
Movie $12.25$10.1321.0%
Bowling $4.44$4.746.3%

Groceries

ItemSouth PlainfieldNational avg.Difference
Ground Beef $3.72$3.986.7%
Fried Chicken $1.42$1.411.2%
Milk $2.35$2.0613.9%
Potatoes $2.76$2.987.6%
Pizza $8.16$9.4713.8%
Beer $9.12$8.793.7%

Health Care

ItemSouth PlainfieldNational avg.Difference
Optometrist $104.60$101.043.5%
Doctor $88.87$107.4417.3%
Dentist $110.17$90.4221.8%
Ibuprofen $8.59$9.287.4%
Lipitor $389.54$426.508.7%

Housing

ItemSouth PlainfieldNational avg.Difference
Home Price $326,300.00$175,700.0085.7%
Avg. Mortgage Payment $1,533.70$1,133.2335.3%
Apartment Rent $1,472.00$920.0060.0%

Transportation

ItemSouth PlainfieldNational avg.Difference
Gasoline $1.92$1.993.6%
Tire Balancing $59.07$45.7629.1%

Utilities

ItemSouth PlainfieldNational avg.Difference
All Electricity$168.73$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.
Zarephath, NJ01099%
East Orange, NJ64,53811313%
Keansburg, NJ10,01111313%
Newark, NJ278,75011515%
Roselle, NJ21,34811515%
South Plainfield, NJ23,68613030%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Rock Springs, WY23,68497-3%
Kingston, NY23,7071077%
Romulus, MI23,72184-16%
Loma Linda, CA23,64812222%
Rolling Meadows, IL23,64611414%
South Plainfield, NJ23,68613030%
Source: The South Plainfield, NJ cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.