Cost of Living in Neptune City, NJ

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F
24%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
54%
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 Neptune City New Jersey National
Cost of living124125100
Groceries105108100
Health care112112100
Housing154157100
Transportation114114100
Utilities109111100
Lifestyle & Entertainment113113100
Household Items107107100
Education & Childcare120120100
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Homes For Sale In Neptune City, NJ

property for sale

68 Laurel Ave

Neptune, NJ
property for sale

3 5th Ave Unit 208

Neptune City, NJ
property for sale

102 5th Ave Unit 102

Neptune City, NJ
property for sale

106 5th Ave Unit 106

Neptune City, NJ

Cost Of Living Quick Facts

  • The cost of living in Neptune City is 1% lower than the New Jersey average
  • The cost of living in Neptune City is 24% higher than the national average
  • Neptune City housing is 54% 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 Neptune City

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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$125,657$10,471$2,932$3,770
      Renters$73,785$6,149$1,722$2,214
      To approximate the cost of living and the housing affordability in Neptune City, 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 Neptune City have a median income of $125,657. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,932 per month to avoid calamity and poverty. The renters in the city have an income of about $73,785, which would make their monthly maximum allowable rental costs $1,722.

      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%
      Neptune City, NJ4,83312423.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Hyde Park, UT4,83311313.4%
      Vanderhoof, BC4,832n/a 
      Carbonear, NL4,834n/a 
      Crystal City, MO4,831928.2%
      New Lexington, OH4,8358217.5%
      Neptune City, NJ4,83312423.8%
      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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