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New York-Newark-Jersey City, NY-NJ

Cost of living in Jersey City, New Jersey

Hudson County, NJ

Part of the New York Metro Area

Estimated monthly cost
$4,228/mo
for a single person, all categories combined

Population 710,478 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $2,029 48%
Federal tax $785 19%
Healthcare $480 11%
Groceries $392 9%
Energy $194 5%
Transport $150 4%
State tax $143 3%
Water $55 1%

Rent in Jersey City

Fair Market Rents by bedroom count.

Studio
$1,999
per month
1 bedroom
$2,029
per month
2 bedroom
$2,299
per month
3 bedroom
$2,822
per month
4 bedroom
$3,218
per month

Source: HUD FMR FY2025

Income and earnings in Jersey City

Annual earnings figures from the Census ACS.

Household income
$90,032
per year
Individual earnings
$58,006
per year
Per capita
$53,998
per year

Source: ACS 2019-2023 5-Year.

Home values in Jersey City

Average values reported by homeowners.

Average home value
$508,600
Annual property tax
$9,413

Source: ACS 2019-2023 5-Year

Energy costs in Jersey City

Estimated monthly electricity and gas costs.

Electricity
$132
per month · 19.4¢/kWh
Natural gas
$62
per month
Annual total
$2,328
per year

Source: EIA

Healthcare in Jersey City

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
11.2%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Jersey City

State and local tax rates for New Jersey.

State income tax
10.8%
Top marginal rate
State sales tax
6.6%
Combined sales tax
6.6%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Jersey City

Commute patterns and estimated costs.

Average commute
35.5 min
Drive alone
34.0%
Public transit
32.2%
Work from home
18.3%

Source: ACS

Monthly cost estimates for Jersey City

What it costs to live in Jersey City each month.

Single person
$4,228
per month
  • Rent $2,029
  • Energy $194
  • Water $55
  • Groceries $392
  • Transport $150
  • Healthcare $480
  • Federal tax $785
  • State tax $143
Couple
$5,756
per month
  • Rent $2,299
  • Energy $233
  • Water $65
  • Groceries $650
  • Transport $200
  • Healthcare $864
  • Federal tax $1,144
  • State tax $301
Family
$8,449
per month
  • Rent $2,822
  • Energy $291
  • Water $75
  • Groceries $986
  • Transport $280
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,144
  • State tax $301

Frequently asked questions about Jersey City

Common questions about cost of living, rent and salary.

What is the average rent in Jersey City?

In Jersey City, New Jersey, a one-bedroom apartment averages $2,029 per month, a two-bedroom averages $2,299 per month, a three-bedroom averages $2,822 per month, according to HUD Fair Market Rent data.

What is the average salary in Jersey City?

In Jersey City, New Jersey, the average household income is $90,032 per year and individual earnings for full-time workers average $58,006 per year, according to U.S. Census Bureau data.

What is the cost of living in Jersey City?

The estimated cost of living in Jersey City, New Jersey is approximately $4,228 per month for a single person, $5,756 for a couple, $8,449 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Jersey City?

The combined sales tax rate in Jersey City, New Jersey is 6.63%, which includes the New Jersey state rate of 6.63% plus an average local rate of 0.00%.

Is Jersey City an affordable place to live?

Based on the data, a single person in Jersey City, New Jersey would need approximately $4,228 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $90,032 per year ($7,503 per month). Jersey City has a moderate cost of living relative to local earnings.

How much does healthcare cost in Jersey City?

The ACA marketplace benchmark premium in Jersey City, New Jersey is approximately $480 per month for an individual. Approximately 11.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Jersey City?

The average home value in Jersey City, New Jersey is $508,600, with average annual property taxes of $9,413, according to U.S. Census Bureau data.

How does Jersey City compare to other areas?

You can compare Jersey City, New Jersey with any other US county using our comparison tool at /compare. Jersey City is in the New York-Newark-Jersey City, NY-NJ metro area.

Other counties in New Jersey

Browse the full list of counties in New Jersey, ranked by cost of living.

See all counties in New Jersey

Compare Jersey City with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources