Upper Saddle River cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexUpper Saddle RiverNew JerseyNational
Cost of living index203123100
IndexUpper Saddle RiverNew JerseyNational
Goods & Services index114111100
Groceries index108110100
Health care index107102100
Housing index419158100
Transportation index111110100
Utilities index105100100
An overview of the general cost of living index for Upper Saddle River, NJ is displayed above for your reference. Residents in Upper Saddle River, NJ enjoy a cost of living index of 203. This index is 65% higher than the New Jersey average, and 103% higher than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Upper Saddle River, NJ, the average cost of goods and services is 2% higher than it is in New Jersey, and it is 14% higher than the national average.
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Did you know?

  • The cost of living in Upper Saddle River is 65% higher than the New Jersey average.
  • The cost of living in Upper Saddle River is 103% higher than the national average.
  • The cost of housing in Upper Saddle River is 319% higher than the national average.
  • New Jersey general sales tax is 30% higher than the national average.
  • New Jersey state income tax is 37% lower than the national average.

Compare Upper Saddle River, NJ Cost of living To Other Cities

Salary Calculator

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Health care index
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The salary calculator is meant to help you compare your salary in Upper Saddle River, NJ to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Upper Saddle River, NJ, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Upper Saddle River, NJ salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
If you want to find a good determining factor for the cost of living and the general affordability of housing in Upper Saddle River, NJ, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Upper Saddle River, NJ, the median monthly income is $174,750 for those who own their own homes. Under the standard rule, that income level would allow for $4,077 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $157,917, per the median income in the area. That would allow for renters to spend up to $3,684 on monthly rental expenses.

New Jersey Sales Tax

StateGeneral Sales TaxWith Max Surtax
New Jersey6.625%12.875%

New Jersey Income Tax

StateIncome Tax (Low)Income Tax (High)
New Jersey1.4%8.97%
For those who live in Upper Saddle River, NJ and want to know what the true cost of living is, they ought to look at both the New Jersey income tax rate and the New Jersey sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In New Jersey, the sales tax is 6.625%, while the most you'll pay in surtax is 12.875%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in New Jersey, the income tax rate ranges between 1.4% to 8.97%.

Goods & Services

ItemUpper Saddle RiverNational avg.Difference
Haircut $24.00$17.4937.2%
Beauty Salon $39.00$38.172.2%
Toothpaste $2.01$2.3213.4%
Shampoo $1.09$1.017.7%
Movie $12.14$10.7213.2%
Bowling $18.40$13.8632.7%


ItemUpper Saddle RiverNational avg.Difference
Ground Beef $3.85$3.901.3%
Fried Chicken $1.66$1.4018.9%
Milk $2.21$1.9612.6%
Potatoes $3.39$3.186.5%
Pizza $11.99$10.3915.4%
Beer $8.99$9.232.6%

Health Care

ItemUpper Saddle RiverNational avg.Difference
Optometrist $113.00$106.346.3%
Doctor $96.67$115.2516.1%
Dentist $121.00$98.3823.0%
Ibuprofen $8.95$9.263.4%
Lipitor $537.05$466.4715.1%


ItemUpper Saddle RiverNational avg.Difference
Home Price $905,100.00$184,700.00390.0%
Avg. Mortgage Payment $2,311.62$1,273.3281.5%
Apartment Rent $2,414.00$949.00154.4%


ItemUpper Saddle RiverNational avg.Difference
Gasoline $2.77$2.597.0%
Tire Balancing $59.00$48.9020.7%


ItemUpper Saddle RiverNational avg.Difference
All Electricity$184.45$167.6010.1%
Phone $177.03$163.428.3%
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, StatePopulationCost of Living IndexNational Avg.
Greenville CDP (Greene County), NY6041055%
Paterson, NJ146,89411515%
Prospect Park, NJ5,91911818%
Mount Ivy, NY6,79211818%
Spring Valley, NY32,41511818%
Upper Saddle River, NJ8,301203103%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Country Club Estates, GA8,30186-14%
Lewistown, PA8,30085-15%
Smithfield, VA8,3041088%
Doylestown, PA8,30513434%
Gig Harbor, WA8,30714242%
Upper Saddle River, NJ8,301203103%
Source: The Upper Saddle River, NJ cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.
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