Cost Of Living in Millstone, NJ

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F

45%

Overall NAT. AVG.

9%

Groceries NAT. AVG.

121%

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	Millstone	New Jersey	National
Cost of living	145	125	100
Groceries	109	108	100
Health care	114	112	100
Housing	221	157	100
Transportation	112	114	100
Utilities	115	111	100
Lifestyle & Entertainment	112	113	100
Household Items	109	107	100
Education & Childcare	124	120	100

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Homes For Sale In Millstone, NJ

23 Amwell Rd

Hillsborough, NJ

206 Ann St

Hillsborough, NJ

0 Amwell Rd

Hillsborough Township, NJ

Cost Of Living Quick Facts

The cost of living in Millstone is 16% higher than the New Jersey average
The cost of living in Millstone is 45% higher than the national average
Millstone housing is 121% 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

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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	$247,529	$20,627	$5,775	$7,427
Renters	$211,239	$17,603	$4,929	$6,338

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.
Zarephath, NJ	98	113	12.8%
Rossmoor, NJ	2,769	104	3.7%
Clearbrook Park, NJ	3,208	110	10.3%
Concordia, NJ	2,620	114	14.0%
Jamesburg, NJ	6,034	120	20.1%
Millstone, NJ	588	145	45.4%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Buena Vista, CA	588	111	11.4%
Coolidge, GA	588	90	9.8%
Newton, GA	588	83	17.0%
Gilmore City, IA	588	80	20.1%
Pollock, LA	588	88	12.0%
Millstone, NJ	588	145	45.4%