Cost of Living in Lincroft, NJ

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F
50%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
141%
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 Lincroft New Jersey National
Cost of living150125100
Groceries105108100
Health care112112100
Housing241157100
Transportation114114100
Utilities109111100
Lifestyle & Entertainment113113100
Household Items107107100
Education & Childcare120120100
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Homes For Sale In Lincroft, NJ

property for sale

30 Parkview Ter

Lincroft, NJ
property for sale

463 Newman Springs Rd

Lincroft, NJ
property for sale

54 Bluefield Rd

Lincroft, NJ
property for sale

1 Tuller Ct

Lincroft, NJ

Cost Of Living Quick Facts

  • The cost of living in Lincroft is 20% higher than the New Jersey average
  • The cost of living in Lincroft is 50% higher than the national average
  • Lincroft housing is 141% 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 Lincroft

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$250,484$20,874$5,844$7,515
      Renters$38,877$3,240$907$1,166
      A good way to judge both the affordability of the housing and the cost of living in Lincroft is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Lincroft has a median income of about $250,484 for people who own homes. Based on that number, a maximum of $5,844 should be spent on expenses related to housing. Renters have a slightly different median income, which is $38,877. Based on this average, renters should spend no more than $907 on all rental costs if they want to maintain a non-impoverished standard of living.

      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.
      Keansburg, NJ10,05011414.1%
      Cliffwood Beach, NJ3,09111919.4%
      North Middletown, NJ2,72312020.1%
      Laurence Harbor, NJ6,22812120.8%
      Keyport, NJ7,20912121.4%
      Lincroft, NJ6,69215049.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Buena Vista, VA6,692954.8%
      Thermalito, CA6,69411111.4%
      Bridgeport, TX6,694955.3%
      East Rochester, NY6,688972.7%
      Camp Swift, TX6,6888911.2%
      Lincroft, NJ6,69215049.9%
      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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