Cost of Living in Stratford, NJ

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C
7%
Overall NAT. AVG.
8%
Groceries NAT. AVG.
1%
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 Stratford New Jersey National
Cost of living107125100
Groceries108108100
Health care112112100
Housing99157100
Transportation111114100
Utilities110111100
Lifestyle & Entertainment113113100
Household Items109107100
Education & Childcare115120100
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Homes For Sale In Stratford, NJ

property for sale

14 Swarthmore Ave

Stratford, NJ
property for sale

104 Union Ave

Stratford, NJ
property for sale

141 Parkview Rd

Stratford, NJ
property for sale

125 Cornell Ave

Stratford, NJ

Cost Of Living Quick Facts

  • The cost of living in Stratford is 14% lower than the New Jersey average
  • The cost of living in Stratford is 7% higher than the national average
  • Stratford housing is 1% 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 Stratford

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      Salary Calculator

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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$154,492$12,874$3,605$4,635
      Renters$48,768$4,064$1,138$1,463
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Stratford, NJ, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Stratford homeowners, is $154,492. This would allow for a maximum of $3,605 per month to be spent on housing costs. For renters, the median monthly income is $48,768 which would result in a maximum of $1,138 to be spent on rental costs.

      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%
      Stratford, NJ7,2131077.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Nuevo, CA7,21313737.5%
      Russellville, KY7,2118416.2%
      Acton, CA7,21516060.3%
      King, NC7,216964.4%
      Keyport, NJ7,20912121.4%
      Stratford, NJ7,2131077.3%
      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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