Cost of Living in Surf City, NJ

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F
77%
Overall NAT. AVG.
7%
Groceries NAT. AVG.
226%
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 Surf City New Jersey National
Cost of living177125100
Groceries107108100
Health care112112100
Housing326157100
Transportation117114100
Utilities116111100
Lifestyle & Entertainment113113100
Household Items107107100
Education & Childcare122120100
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Homes For Sale In Surf City, NJ

property for sale

276 N 11th St

Surf City, NJ
property for sale

200 17th St

Surf City, NJ
property for sale

331 N 2nd St

Surf City, NJ
property for sale

262 N 1st St

Surf City, NJ

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 77% 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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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$144,614$12,051$3,374$4,339
      Renters$102,826$8,569$2,399$3,085

      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.
      Mystic Island, NJ8,60311615.5%
      Tuckerton, NJ3,49711817.5%
      Ocean Acres, NJ17,77412726.6%
      Barnegat, NJ3,71312828.0%
      Manahawkin, NJ2,01912828.0%
      Surf City, NJ1,30517777.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Keewatin, MN1,3058416.1%
      Millbourne, PA1,305990.7%
      Camp Hill, AL1,3067821.7%
      Airport, CA1,30611110.8%
      Maxwell, CA1,3041088.1%
      Surf City, NJ1,30517777.1%
      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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