The above illustration supplies generalized information for the Lincroft, NJ cost of living index. Compared to other cities in New Jersey and cities across the country, the cost of living index in Lincroft, NJ is 138, which is 10% higher than the New Jersey average and 38% higher than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Lincroft, NJ are 1% lower than the average for New Jersey and 11% higher than the rest of the country.