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New York-Newark-Jersey City, NY-NJ

Cost of living in Passaic County, NJ

Part of the New York Metro Area

Estimated monthly cost
$3,806/mo
for a single person, all categories combined

Population 518,289 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,807 47%
Federal tax $551 14%
Healthcare $480 13%
Groceries $392 10%
Transport $250 7%
Energy $194 5%
State tax $77 2%
Water $55 1%

Rent in Passaic County

Fair Market Rents by bedroom count.

Studio
$1,556
per month
1 bedroom
$1,807
per month
2 bedroom
$2,072
per month
3 bedroom
$2,550
per month
4 bedroom
$3,225
per month

Source: HUD FMR FY2025

Income and earnings in Passaic County

Annual earnings figures from the Census ACS.

Household income
$87,137
per year
Individual earnings
$43,766
per year
Per capita
$40,241
per year

Source: ACS 2019-2023 5-Year.

Home values in Passaic County

Average values reported by homeowners.

Average home value
$439,400
Annual property tax
$10,001

Source: ACS 2019-2023 5-Year

Energy costs in Passaic County

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 Passaic County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
12.1%

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 Passaic County

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 Passaic County

Commute patterns and estimated costs.

Average commute
27.3 min
Drive alone
66.5%
Public transit
7.0%
Work from home
10.3%

Source: ACS

Monthly cost estimates for Passaic County

What it costs to live in Passaic County each month.

Single person
$3,806
per month
  • Rent $1,807
  • Energy $194
  • Water $55
  • Groceries $392
  • Transport $250
  • Healthcare $480
  • Federal tax $551
  • State tax $77
Couple
$5,615
per month
  • Rent $2,072
  • Energy $233
  • Water $65
  • Groceries $650
  • Transport $350
  • Healthcare $864
  • Federal tax $1,096
  • State tax $285
Family
$8,283
per month
  • Rent $2,550
  • Energy $291
  • Water $75
  • Groceries $986
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,096
  • State tax $285

Frequently asked questions about Passaic County

Common questions about cost of living, rent and salary.

What is the average rent in Passaic County?

In Passaic County, NJ, a one-bedroom apartment averages $1,807 per month, a two-bedroom averages $2,072 per month, a three-bedroom averages $2,550 per month, according to HUD Fair Market Rent data.

What is the average salary in Passaic County?

In Passaic County, NJ, the average household income is $87,137 per year and individual earnings for full-time workers average $43,766 per year, according to U.S. Census Bureau data.

What is the cost of living in Passaic County?

The estimated cost of living in Passaic County, NJ is approximately $3,806 per month for a single person, $5,615 for a couple, $8,283 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Passaic County?

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

Is Passaic County an affordable place to live?

Based on the data, a single person in Passaic County, NJ would need approximately $3,806 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $87,137 per year ($7,261 per month). Passaic County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Passaic County?

The ACA marketplace benchmark premium in Passaic County, NJ is approximately $480 per month for an individual. Approximately 12.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Passaic County?

The average home value in Passaic County, NJ is $439,400, with average annual property taxes of $10,001, according to U.S. Census Bureau data.

How does Passaic County compare to other areas?

You can compare Passaic County, NJ with any other US county using our comparison tool at /compare. Passaic County 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 Passaic County 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