B
2%
Overall NAT. AVG.
8%
Groceries NAT. AVG.
17%
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 Pine Hill New Jersey National
Cost of living102125100
Groceries108108100
Health care112112100
Housing83157100
Transportation111114100
Utilities110111100
Lifestyle & Entertainment113113100
Household Items109107100
Education & Childcare115120100
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An Overview of Cost of Living in Pine Hill, NJ

Understanding the cost of living in Pine Hill can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Pine Hill cost of living index is 102, which is 2% higher than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.

The cost of living in Pine Hill closely mirrors the national average in comparison to other cities nationwide. Essential items such as groceries, houshold expenses, health care and utilities are priced at a level consistent with similar urban areas. This means that residents of Pine Hill can anticipate that their daily expenses will remain reasonably in line with those of an average city, contributing to a manageable cost of living.

Is Pine Hill Affordable?

Is Pine Hill an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Pine Hill, the median home price is 25.8% lower than what most folks pay across the country, and monthly rent prices are 5.1% higher than the usual rates. Income levels in Pine Hill come in at $92,060, which is 13.2% higher than the national average.

What Factors can Influence the Cost of Living in Pine Hill?

Groceries: Grocery costs have continued to increase significantly over the last 2-3 years. In some markets the cost of food has gone up by more than 20% in that period. While other markets have managed to see only a moderate uptick. These food costs can have a major impact on the cost of living in any area. In Pine Hill, the groceries index is 7.6% higher than the national average.

Utilities: Much like any other costs, utility expenses can exhibit considerable variations, influenced by factors such as climate, available energy sources, geographic location and state regulations. The costs associated with electricity, water, heating, and waste disposal can vary significantly depending on the city or state in question. In Pine Hill, the utilities index stands at 10.4% higher than the national average.

Taxes: Areas with higher taxes, including sales taxes and income taxes, can contribute to a higher cost of living. Paying more tax for everyday household expenses like clothing and food will result in higher costs, as will paying a higher rate of income tax. The general sales tax rate in Pine Hill starts at 6.625% and the income tax rates start at 1.4%.

Where is the Data From?

The Pine Hill cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.

Cost Of Living Quick Facts

  • The cost of living in Pine Hill is 18% lower than the New Jersey average
  • The cost of living in Pine Hill is 2% higher than the national average
  • Pine Hill housing is 17% lower 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 Pine Hill

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Compare Pine Hill, NJ Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$128,308$10,692$2,994$3,850
      Renters$48,267$4,022$1,126$1,448
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Pine Hill, NJ, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Pine Hill, homeowners have a median income of $128,308. Using that number, a maximum of $2,994 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $48,267, which means there is a maximum of $1,126 to be spent on the costs of renting a home or apartment.

      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.
      Pine Valley, NJ1111110.6%
      Tavistock, NJ511110.6%
      Audubon Park, NJ1,003927.9%
      Camden, NJ76,587964.4%
      Colwyn, PA2,607918.7%
      Pine Hill, NJ10,7011022.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Palatka, FL10,7018811.6%
      Helena-West Helena, AR10,7028119.3%
      Arizona City, AZ10,694945.8%
      Sainte-Agathe-des-Monts, QC10,693n/a 
      Sebring, FL10,710918.9%
      Pine Hill, NJ10,7011022.5%
      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.