Cost of Living in Surf City, NJ

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F
70%
Overall NAT. AVG.
3%
Goods & Services NAT. AVG.
226%
Housing NAT. AVG.
Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Surf City New Jersey National
Cost of living170121100
Goods & Services103106100
Groceries102102100
Health care9499100
Housing326158100
Transportation107103100
Utilities110107100
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Cost Of Living Quick Facts

  • The cost of living in Surf City is 41% higher than the New Jersey average
  • The cost of living in Surf City is 70% higher than the national average
  • Surf City housing is 226% 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 Surf City

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Compare Surf City, NJ Cost of Living

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      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$97,042$8,087$2,264$2,912
      Renters$68,500$5,708$1,598$2,055

      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%

      Goods & Services

      Item Surf City National avg. Difference
      Haircut $23.54$24.263.0%
      Beauty Salon $66.27$45.5645.4%
      Toothpaste $3.65$3.701.5%
      Shampoo $1.52$1.2818.4%
      Movie $13.75$12.1313.3%
      Bowling $19.47$18.008.1%

      Groceries

      Item Surf City National avg. Difference
      Ground Beef $5.76$5.841.3%
      Fried Chicken $1.46$1.577.4%
      Milk $4.67$4.670.0%
      Potatoes $5.37$4.938.8%
      Pizza $11.73$12.092.9%
      Beer $11.99$10.4115.2%

      Health Care

      Item Surf City National avg. Difference
      Optometrist $123.50$125.681.7%
      Doctor $132.56$135.782.4%
      Dentist $103.31$113.298.8%
      Ibuprofen $11.22$10.655.3%
      Lipitor $398.10$468.6015.0%

      Housing

      Item Surf City National avg. Difference
      Home Price $742,000.00$184,700.00301.7%
      Avg. Mortgage Payment $2,169.88$2,346.697.5%
      Apartment Rent $1,404.00$949.0047.9%

      Transportation

      Item Surf City National avg. Difference
      Gasoline $3.53$3.462.0%
      Tire Balancing $70.89$59.9218.3%

      Utilities

      Item Surf City National avg. Difference
      All Electricity $222.45$193.9914.7%
      Phone $198.27$192.253.1%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Mystic Island, NJ8,2961109.8%
      Tuckerton, NJ3,37311212.3%
      Manahawkin, NJ1,95712020.2%
      Barnegat, NJ3,63012120.6%
      Ocean Acres, NJ17,32512120.8%
      Surf City, NJ1,26017070.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Sanford, CO1,2608713.3%
      Houston, PA1,260964.0%
      Ardmore, TN1,2608911.1%
      New London, TX1,260918.6%
      Cambridge, WI1,2601077.3%
      Surf City, NJ1,26017070.3%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
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