Most affordable towns in New Jersey, 2026
Pomona is the most affordable ranked town in New Jersey. Rent, the regional price level, taxes, and electricity are 22.5% each. Gasoline is 10%. A lower score is more affordable.
Summary
- 290
- Towns ranked in New Jersey.
- Pomona
- Number 1 in New Jersey. Rent is 13.1% of income. National rank 3315.
- 19.9%
- Median rent share among ranked towns in New Jersey.
- 0
- Ranked New Jersey towns in the national top 100.
- Pompton Plains
- Least affordable ranked town in New Jersey. Rent is 31.8% of income. National rank 6209.
Gasoline
$4.470
per gallon. EIA does not publish a New Jersey price. This is the Central Atlantic (PADD 1B) price for the week of October 12, 2026. At 12,000 miles a year and 25 mpg, that is $2,145.60 a year for every ranked town in New Jersey.
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Cost & Benefits. "2026 Most Affordable Towns Index: New Jersey." October 16, 2026. https://costandbenefits.com/reports/most-affordable-towns-2026/new-jersey
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Benefits and taxes in New Jersey
Top 25
#1 in New Jersey · National #3315
Pomona
Rent share 13.1% · Price level 98.9 · Score 0.463
Median rent is $1,082 a month and median income is $99,118, so rent is 13.1% of income, under the 19.9% median for ranked towns in New Jersey. The Atlantic City-Hammonton, NJ metro price level is 98.9 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#2 in New Jersey · National #3598
Glendora
Rent share 12.1% · Price level 102.6 · Score 0.485
Median rent is $986 a month and median income is $98,053, so rent is 12.1% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#3 in New Jersey · National #3610
Margate City
Rent share 13.3% · Price level 98.9 · Score 0.486
Median rent is $1,347 a month and median income is $121,800, so rent is 13.3% of income, under the 19.9% median for ranked towns in New Jersey. The Atlantic City-Hammonton, NJ metro price level is 98.9 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#4 in New Jersey · National #3668
Mays Landing
Rent share 16.3% · Price level 98.9 · Score 0.490
Median rent is $1,131 a month and median income is $83,056, so rent is 16.3% of income, under the 19.9% median for ranked towns in New Jersey. The Atlantic City-Hammonton, NJ metro price level is 98.9 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#5 in New Jersey · National #3673
Wildwood
Rent share 15.9% · Price level 98.9 · Score 0.491
Median rent is $997 a month and median income is $75,222, so rent is 15.9% of income, under the 19.9% median for ranked towns in New Jersey. The Atlantic City-Hammonton, NJ metro price level is 98.9 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#6 in New Jersey · National #3765
Audubon
Rent share 13.4% · Price level 102.6 · Score 0.500
Median rent is $1,290 a month and median income is $115,789, so rent is 13.4% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#7 in New Jersey · National #3774
Haddon Heights
Rent share 10.5% · Price level 102.6 · Score 0.500
Median rent is $1,166 a month and median income is $133,125, so rent is 10.5% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#8 in New Jersey · National #3793
Somerdale
Rent share 15.4% · Price level 102.6 · Score 0.503
Median rent is $1,097 a month and median income is $85,625, so rent is 15.4% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#9 in New Jersey · National #3795
Stratford
Rent share 14.5% · Price level 102.6 · Score 0.503
Median rent is $1,190 a month and median income is $98,427, so rent is 14.5% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#10 in New Jersey · National #3808
Woodbury
Rent share 15.4% · Price level 102.6 · Score 0.505
Median rent is $990 a month and median income is $77,028, so rent is 15.4% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#11 in New Jersey · National #3814
Springdale
Rent share 6.4% · Price level 102.6 · Score 0.505
Median rent is $879 a month and median income is $164,796, so rent is 6.4% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#12 in New Jersey · National #3920
Linwood
Rent share 16.8% · Price level 98.9 · Score 0.513
Median rent is $2,188 a month and median income is $156,354, so rent is 16.8% of income, under the 19.9% median for ranked towns in New Jersey. The Atlantic City-Hammonton, NJ metro price level is 98.9 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#13 in New Jersey · National #3957
Country Lake Estates
Rent share 16.3% · Price level 102.6 · Score 0.515
Median rent is $1,739 a month and median income is $127,643, so rent is 16.3% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#14 in New Jersey · National #4045
Haddonfield
Rent share 11.4% · Price level 102.6 · Score 0.523
Median rent is $1,897 a month and median income is $200,400, so rent is 11.4% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#15 in New Jersey · National #4051
Clayton
Rent share 16.6% · Price level 102.6 · Score 0.523
Median rent is $1,246 a month and median income is $90,274, so rent is 16.6% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#16 in New Jersey · National #4090
Moorestown-Lenola
Rent share 14.3% · Price level 102.6 · Score 0.527
Median rent is $1,648 a month and median income is $138,398, so rent is 14.3% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#17 in New Jersey · National #4143
Mercerville
Rent share 15.2% · Price level 103.2 · Score 0.532
Median rent is $1,621 a month and median income is $128,277, so rent is 15.2% of income, under the 19.9% median for ranked towns in New Jersey. The Trenton-Princeton, NJ metro price level is 103.2 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#18 in New Jersey · National #4177
Williamstown
Rent share 17.0% · Price level 102.6 · Score 0.535
Median rent is $1,266 a month and median income is $89,414, so rent is 17.0% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#19 in New Jersey · National #4214
Berlin
Rent share 16.8% · Price level 102.6 · Score 0.539
Median rent is $1,439 a month and median income is $102,855, so rent is 16.8% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#20 in New Jersey · National #4246
Atco
Rent share 17.4% · Price level 102.6 · Score 0.542
Median rent is $1,532 a month and median income is $105,847, so rent is 17.4% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#21 in New Jersey · National #4314
Brigantine
Rent share 18.7% · Price level 98.9 · Score 0.548
Median rent is $1,517 a month and median income is $97,250, so rent is 18.7% of income, under the 19.9% median for ranked towns in New Jersey. The Atlantic City-Hammonton, NJ metro price level is 98.9 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#22 in New Jersey · National #4351
Sicklerville
Rent share 17.8% · Price level 102.6 · Score 0.551
Median rent is $1,566 a month and median income is $105,602, so rent is 17.8% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#23 in New Jersey · National #4352
Paulsboro
Rent share 18.2% · Price level 102.6 · Score 0.551
Median rent is $976 a month and median income is $64,239, so rent is 18.2% of income, under the 19.9% median for ranked towns in New Jersey. The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro price level is 102.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
#24 in New Jersey · National #4364
Millville
Rent share 21.5% · Price level 96.0 · Score 0.551
Median rent is $1,261 a month and median income is $70,275, so rent is 21.5% of income, over the 19.9% median for ranked towns in New Jersey. The Vineland, NJ metro price level is 96.0 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is regional price level and its heaviest mark is electricity price.
#25 in New Jersey · National #4382
Hackettstown
Rent share 18.9% · Price level 100.0 · Score 0.553
Median rent is $1,469 a month and median income is $93,083, so rent is 18.9% of income, under the 19.9% median for ranked towns in New Jersey. The Allentown-Bethlehem-Easton, PA-NJ metro price level is 100.0 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is rent share and its heaviest mark is electricity price.
Least affordable 10
#290 in New Jersey · National #6209
Pompton Plains
Rent share 31.8% · Price level 112.6 · Score 0.785
Median rent is $3,129 a month and median income is $117,959, so rent is 31.8% of income, over the 19.9% median for ranked towns in New Jersey. The New York-Newark-Jersey City, NY-NJ metro price level is 112.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#289 in New Jersey · National #6136
Mount Arlington
Rent share 31.1% · Price level 112.6 · Score 0.773
Median rent is $2,392 a month and median income is $92,264, so rent is 31.1% of income, over the 19.9% median for ranked towns in New Jersey. The New York-Newark-Jersey City, NY-NJ metro price level is 112.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#288 in New Jersey · National #6132
Lakewood
Rent share 36.2% · Price level 112.6 · Score 0.772
Median rent is $1,718 a month and median income is $56,968, so rent is 36.2% of income, over the 19.9% median for ranked towns in New Jersey. The New York-Newark-Jersey City, NY-NJ metro price level is 112.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#287 in New Jersey · National #6131
Prospect Park
Rent share 37.2% · Price level 112.6 · Score 0.772
Median rent is $1,647 a month and median income is $53,125, so rent is 37.2% of income, over the 19.9% median for ranked towns in New Jersey. The New York-Newark-Jersey City, NY-NJ metro price level is 112.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#286 in New Jersey · National #6128
Holiday City-Berkeley
Rent share 39.2% · Price level 112.6 · Score 0.771
Median rent is $1,640 a month and median income is $50,156, so rent is 39.2% of income, over the 19.9% median for ranked towns in New Jersey. The New York-Newark-Jersey City, NY-NJ metro price level is 112.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#285 in New Jersey · National #6116
New Brunswick
Rent share 33.1% · Price level 112.6 · Score 0.769
Median rent is $1,814 a month and median income is $65,810, so rent is 33.1% of income, over the 19.9% median for ranked towns in New Jersey. The New York-Newark-Jersey City, NY-NJ metro price level is 112.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#284 in New Jersey · National #6113
Paterson
Rent share 33.2% · Price level 112.6 · Score 0.769
Median rent is $1,548 a month and median income is $55,997, so rent is 33.2% of income, over the 19.9% median for ranked towns in New Jersey. The New York-Newark-Jersey City, NY-NJ metro price level is 112.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#283 in New Jersey · National #6111
Perth Amboy
Rent share 32.7% · Price level 112.6 · Score 0.768
Median rent is $1,688 a month and median income is $61,977, so rent is 32.7% of income, over the 19.9% median for ranked towns in New Jersey. The New York-Newark-Jersey City, NY-NJ metro price level is 112.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#282 in New Jersey · National #6106
Fairview
Rent share 32.0% · Price level 112.6 · Score 0.768
Median rent is $1,694 a month and median income is $63,606, so rent is 32.0% of income, over the 19.9% median for ranked towns in New Jersey. The New York-Newark-Jersey City, NY-NJ metro price level is 112.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
#281 in New Jersey · National #6100
Harrison
Rent share 28.7% · Price level 112.6 · Score 0.767
Median rent is $2,226 a month and median income is $93,013, so rent is 28.7% of income, over the 19.9% median for ranked towns in New Jersey. The New York-Newark-Jersey City, NY-NJ metro price level is 112.6 (U.S. = 100). Residential electricity is 25.19 cents per kWh. Gasoline is $4.470 a gallon (Central Atlantic (PADD 1B)). Among ranked U.S. towns, its lightest mark is tax burden and its heaviest mark is rent share.
The formula
A lower score is more affordable. Rent share, the regional price level, taxes, and electricity each count 22.5%. Gasoline counts 10%. Those weights are our choice. Gasoline stays at 10% because the miles figure is one national standard, not a measured town commute. This is not a government standard.
A percentile is the share of ranked towns with a strictly lower number, divided by the number of ranked towns minus one. The lowest number scores 0. Tied numbers share a percentile.
- Rent share = (median monthly rent × 12) / median household income. Both figures are the Census 2020–2024 medians for that place.
- RPP-adjusted cost is the BEA 2024 all-items regional price parity. A basket priced at 100 for the U.S. average costs this many dollars in the town's area. We use the metro index when the county is in a metro BEA publishes. Otherwise we use the state index and say so. This index includes housing, so housing also shows up in the rent share.
- Tax burden is the average of three percentiles. Income-tax share is state income tax plus the stored 2023 local AGI add-on, divided by the town's median household income, on a joint return. Property share is the state's median effective property-tax rate times the town's median home value, divided by income. Sales rate is the combined state and average local sales-tax rate. We do not turn the sales rate into dollars, because that would require a shopping basket we do not have.
- Electricity is the state residential price in cents per kilowatt-hour. Every town in a state shares it. We do not guess how many kilowatt-hours a home uses.
- Gasoline is the EIA retail price for all grades and all formulations, in dollars per gallon. Where EIA publishes a state series, we use that state. Every other state uses the PADD region EIA assigns to it. Census does not publish commuting miles for these towns, so annual gas spend is 12,000 miles a year divided by 25 miles per gallon, times the price. That is 480 gallons, the same for every town. Those miles are our standard, not an ACS figure and not a government mileage rule. Because the gallons do not change, the gas percentile is the percentile of the price.
Weekly prices are for the week of October 12, 2026, from the EIA workbook released October 14, 2026. File: https://www.eia.gov/petroleum/gasdiesel/xls/pswrgvwall.xls. Alaska, Arizona, Hawaii, Nevada, and Oregon use West Coast (PADD 5) Except California. That series is not in the weekly workbook, so those five use the monthly price dated September 15, 2026. File: https://www.eia.gov/dnav/pet/pet_pri_gnd_a_epm0_pte_dpgal_m.htm.
- State series, week of October 12, 2026: California, Colorado, Florida, Massachusetts, Minnesota, New York, Ohio, Texas, Washington.
- Central Atlantic (PADD 1B), week of October 12, 2026: Delaware, District of Columbia, Maryland, New Jersey, Pennsylvania.
- Gulf Coast (PADD 3), week of October 12, 2026: Alabama, Arkansas, Louisiana, Mississippi, New Mexico.
- Lower Atlantic (PADD 1C), week of October 12, 2026: Georgia, North Carolina, South Carolina, Virginia, West Virginia.
- Midwest (PADD 2), week of October 12, 2026: Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, Tennessee, Wisconsin.
- New England (PADD 1A), week of October 12, 2026: Connecticut, Maine, New Hampshire, Rhode Island, Vermont.
- Rocky Mountain (PADD 4), week of October 12, 2026: Idaho, Montana, Utah, Wyoming.
- West Coast (PADD 5) Except California, September 15, 2026: Alaska, Arizona, Hawaii, Nevada, Oregon.
Score = 0.225 × rent percentile + 0.225 × price-level percentile + 0.225 × tax score + 0.225 × electricity percentile + 0.10 × gasoline percentile. Rank 1 is the lowest score. If scores tie, the lower rent share wins, then the lower price level, then the place slug in A-to-Z order.
Questions
What is the most affordable town in New Jersey in this index?
Pomona is number 1 of 290 ranked towns in New Jersey. Median rent is 13.1% of median income. Its national rank is 3315.
How many towns in New Jersey were ranked?
290 towns in New Jersey have at least 5,000 people and published Census rent, income, and home value. Places missing one of those figures are left out.
Does this ranking approve benefits in New Jersey?
No. Cost & Benefits does not approve or deny benefits. The score is a cost comparison only.