Cost of Living in Upper Saddle River, NJ

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F
113%
Overall NAT. AVG.
8%
Groceries NAT. AVG.
352%
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 Upper Saddle River New Jersey National
Cost of living213125100
Groceries108108100
Health care111112100
Housing452157100
Transportation110114100
Utilities112111100
Lifestyle & Entertainment107113100
Household Items108107100
Education & Childcare120120100
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Homes For Sale In Upper Saddle River, NJ

property for sale

63 Danebury Downs

Upper Saddle River, NJ
property for sale

35 Echo Ridge Rd

Upper Saddle River, NJ
property for sale

20 Deerhorn Trl

Upper Saddle River, NJ
property for sale

69 Knollwood Rd

Upper Saddle River, NJ

Cost Of Living Quick Facts

  • The cost of living in Upper Saddle River is 70% higher than the New Jersey average
  • The cost of living in Upper Saddle River is 113% higher than the national average
  • Upper Saddle River housing is 352% 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 Upper Saddle River

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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$311,517$25,960$7,268$9,346
      Renters$186,961$15,580$4,362$5,609
      A good indicator of the general affordability of housing in Upper Saddle River, NJ, 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, the median monthly income is $311,517 for those who own their own homes. Under the standard rule, that income level would allow for $7,268 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $186,961, per the median income in the area. That would allow for renters to spend up to $4,362 on monthly rental expenses.

      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.
      Greenville CDP (Greene County), NY6161066.1%
      Greenwood Lake, NY3,16811817.7%
      Paterson, NJ149,11812221.5%
      Mount Ivy, NY7,67512020.1%
      Haverstraw, NY12,43112121.4%
      Upper Saddle River, NJ8,538213112.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Tecumseh, MI8,537946.1%
      Fletcher, NC8,5331098.6%
      Wetumpka, AL8,530919.0%
      Oak Grove, MO8,530918.7%
      Ahuimanu, HI8,52919090.5%
      Upper Saddle River, NJ8,538213112.9%
      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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