Cost of Living in South Amboy, NJ

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F
29%
Overall NAT. AVG.
7%
Groceries NAT. AVG.
71%
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 South Amboy New Jersey National
Cost of living129125100
Groceries107108100
Health care109112100
Housing171157100
Transportation117114100
Utilities109111100
Lifestyle & Entertainment114113100
Household Items107107100
Education & Childcare115120100
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Homes For Sale In South Amboy, NJ

property for sale

208 Catherine St

South Amboy, NJ
property for sale

68 S Shore Dr

South Amboy, NJ
property for sale

68 S Shore Dr #21

South Amboy, NJ
property for sale

239 Alpine Way

South Amboy, NJ

Cost Of Living Quick Facts

  • The cost of living in South Amboy is 3% higher than the New Jersey average
  • The cost of living in South Amboy is 29% higher than the national average
  • South Amboy housing is 71% 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 South Amboy

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Compare South Amboy, NJ Cost of Living

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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$156,822$13,069$3,659$4,705
      Renters$67,686$5,641$1,579$2,031
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in South Amboy, 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 South Amboy, homeowners have a median income of $156,822. Using that number, a maximum of $3,659 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $67,686, which means there is a maximum of $1,579 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.
      Rossmoor, NJ2,7691043.7%
      Clearbrook Park, NJ3,20811010.3%
      Keansburg, NJ10,05011414.1%
      Concordia, NJ2,62011414.0%
      Roselle, NJ22,32111615.7%
      South Amboy, NJ9,19212928.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Ashland, NJ9,18912222.1%
      Woodway, TX9,18911010.2%
      Waseca, MN9,195937.0%
      Olney, IL9,1968317.4%
      Alma, MI9,1878415.8%
      South Amboy, NJ9,19212928.7%
      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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