The 5 Most Affordable Places to Live In New Jersey


Jamie Ayers


March 6th, 2021


What state is famous for corn and blueberries? If you answered New Jersey, you’re right. The state also contains over 600 diners that offer killer breakfasts. If that’s enough to make you want to live there, let’s look at affordable places!

Did you know that New Jersey is the most densely populated state in the U.S.? Even so, the state is filled with small towns that give off a country vibe without actually being in the middle of nowhere.

Many large cities like Philadelphia, New York City, and Manhattan are easily accessible from New Jersey. This makes it an ideal place for people who love the amenities and job opportunities of a big city but don’t necessarily want to live in one.

But how affordable is it to live there? Let’s take a look at five of the most affordable places to live in New Jersey.

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At first glance, Audubon might not seem like an inexpensive place to live. It gets a cost of living score of 111 — 11% above the U.S. average at 100. However, median home prices are lower, at only $210,900 as compared to $327,700 for the rest of the state.

The real advantage, however, is the median income. At $77,066, it’s 39% higher than the U.S. average. This is more than enough to cover the extra cost of living expenses and still make your paycheck stretch farther.

Audubon itself has a ton of amenities available to its residents. On the off chance that you can’t find something to do, Philadelphia is a quick 20-minute car ride away.


Who wouldn’t love to live in a place called Pleasantville? It must be quite...pleasant.

In reality, New Jersey’s Pleasantville is a great spot to live — close to the famous Atlantic City. You can live close enough to go enjoy the myriad of shows, events, and casinos without paying the high cost of living associated with the city.

Pleasantville scores a mere 108 on the cost of living index and the median home value is a modest $157,900. Interestingly, though home values are 15% lower than the national average, rent prices are 22% higher. Thus, you should definitely consider purchasing a home if you want to move to Pleasantville — or think about buying an investment property in the area.

Excited to start the home search in one of the amazing neighborhoods Pleasantville has to offer?

The first step is getting preapproved by a licensed lender to learn how much you can afford! Fill out the form below to connect with a local lender that can walk you through each step towards owning your dream home.


Looking for a small town atmosphere that’s great for raising a family? Check out the tiny town of Berlin, NJ. With less than 8,000 residents, you’ll start getting to know folks pretty quickly.

The cost of living index is 114, less than New Jersey’s index of 125. Median home prices are accessible at only $230,500. Top that off with a median income of $87,697 (50% higher than the U.S. average) and you have a place to live that won’t destroy your paycheck each week.

If you get tired of the small town vibe or just need a day in the city, Philadelphia is a mere 30-minutes away by car. It’s even close enough to work in Philadelphia if you can’t find the job you’re looking for in such a small town.


Rahway is a pleasant community not too far outside of New York. It’s a small town but there is plenty to do, including lots of family-friendly activities. The Union County Performing Arts Center alone offers concerts, plays, musicals, independent films and more that residents can check out.

The cost of living index is slightly lower than New Jersey as a whole at 120. Even though the index is 20% higher than the U.S. average, so is the median income — making it a wash. Median home values hover at an affordable $265,300.

If you don’t mind the commute, you could even opt to live in Rahway while working in NYC or Manhattan. Rahway is only about 15 miles from Manhattan, but the traffic can slow your commute down considerably.


If city living is for you, Trenton is a great option for keeping your cost of living down. Even as New Jersey’s capital city, the median home price is very affordable at only $100,000. The cost of living index is also desirable at only 97 — 3% lower than the U.S. average.

There is plenty to do and see and history buffs, in particular, will enjoy the city. Not only are there several museums and memorials but also you can see the only original barracks from the French and Indian war that still exist in the U.S.

There are lots of amenities that you can take advantage of in the city. Plus, even though the median household income is only $34,412 there are plenty of opportunities for higher paying jobs.

Affordable Places to Live in New Jersey

New Jersey is not a particularly expensive place to live. It’s proximity to New York makes it desirable for many people who like to live near the city but may not want to deal with the congestion on a daily basis.

The good news is that there are plenty of affordable places to live in New Jersey. A knowledgeable, local real estate agent can help you find an even better deal on a home in the perfect location.

When you find your agent through Clever, there’s a cherry on top that you wouldn’t expect. Clever clients are eligible to receive a $1,000 home buyer’s rebate when buying a home for more than $150,000 through a Clever Partner Agent.

To learn more about how the process works, feel free to contact us today. We will be happy to connect you with a local, highly qualified real estate agent for a no-obligation consultation.

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