Cost of Living in Mountainside, NJ

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F
82%
Overall NAT. AVG.
8%
Groceries NAT. AVG.
251%
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 Mountainside New Jersey National
Cost of living182125100
Groceries108108100
Health care111112100
Housing351157100
Transportation110114100
Utilities109111100
Lifestyle & Entertainment108113100
Household Items106107100
Education & Childcare118120100
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Homes For Sale In Mountainside, NJ

property for sale

1531 Coles Ave

Mountainside, NJ
property for sale

1075 Charles St

Mountainside, NJ
property for sale

1008 Mary Allen Ln

Mountainside, NJ
property for sale

1437 Whipporwill Way

Mountainside, NJ

Cost Of Living Quick Facts

  • The cost of living in Mountainside is 45% higher than the New Jersey average
  • The cost of living in Mountainside is 82% higher than the national average
  • Mountainside housing is 251% 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 Mountainside

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      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$220,019$18,335$5,133$6,601
      Renters$65,942$5,495$1,539$1,978
      To approximate the cost of living and the housing affordability in Mountainside, NJ, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Mountainside have a median income of $220,019. Therefore, the amount that a consumer should spend on housing costs should be no more than $5,133 per month to avoid calamity and poverty. The renters in the city have an income of about $65,942, which would make their monthly maximum allowable rental costs $1,539.

      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, NJ9811312.8%
      Victory Gardens, NJ1,6541087.7%
      East Orange, NJ66,65511515.1%
      Roselle, NJ22,32111615.7%
      Silver Lake CDP (Warren County), NJ32611717.3%
      Mountainside, NJ7,07418282.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Live Oak, FL7,0738712.6%
      Idabel, OK7,0778119.2%
      Baie-Saint-Paul, QC7,069n/a 
      Pea Ridge, WV7,080927.5%
      Saint-Apollinaire, QC7,067n/a 
      Mountainside, NJ7,07418282.0%
      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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