Cost of Living in Bradley Beach, NJ

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F
66%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
196%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Bradley Beach New Jersey National
Cost of living166125100
Groceries105108100
Health care112112100
Housing296157100
Transportation114114100
Utilities109111100
Lifestyle & Entertainment113113100
Household Items107107100
Education & Childcare120120100
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Homes For Sale In Bradley Beach, NJ

property for sale

614 Newark Ave

Bradley Beach, NJ
property for sale

621 Ocean Ave #214

Bradley Beach, NJ
property for sale

506 Madison Ave

Bradley Beach, NJ
property for sale

25 Atlantic Ave

Bradley Beach, NJ

Cost Of Living Quick Facts

  • The cost of living in Bradley Beach is 33% higher than the New Jersey average
  • The cost of living in Bradley Beach is 66% higher than the national average
  • Bradley Beach housing is 196% higher than the national average
  • New Jersey general sales tax is 30% higher than the national average
  • New Jersey state income tax is 46% lower than the national average

Most Affordable Places to Live in and Around Bradley Beach

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      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$147,376$12,281$3,439$4,422
      Renters$87,754$7,313$2,047$2,633
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Bradley Beach, NJ, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Bradley Beach homeowners, is $147,376. This would allow for a maximum of $3,439 per month to be spent on housing costs. For renters, the median monthly income is $87,754 which would result in a maximum of $2,047 to be spent on rental costs.

      New Jersey Sales Tax

      State General Sales Tax With Max Surtax
      New Jersey 6.625% 12.625%

      New Jersey Income Tax

      State Income Tax (Low) Income Tax (High)
      New Jersey 1.4% 10.75%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Cedar Glen West, NJ1,8468713.5%
      Leisure Village, NJ4,8631022.3%
      Leisure Village West, NJ3,8531077.4%
      Leisure Village East, NJ3,8931099.2%
      Leisure Knoll, NJ2,65511717.2%
      Bradley Beach, NJ4,28016666.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Bonsall, CA4,28018080.0%
      North Wilkesboro, NC4,279936.5%
      Dewey-Humboldt, AZ4,2811066.2%
      Chariton, IA4,2818217.7%
      Wadena, MN4,2818911.2%
      Bradley Beach, NJ4,28016666.4%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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