What does the Bergen County, NJ vs Hartford County, CT comparison show?

It compares estimated living costs by category, including housing, food, transportation, healthcare, childcare, other necessities, taxes, and income context.

Can I change the salary and family type?

Yes. The comparison calculator supports salary and family type inputs so you can model costs for different households.

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Bergen County, NJ vs Hartford County, CT: Cost of Living Difference

Name: WatchPennies cost of living dataset
Creator: WatchPennies

Is it cheaper?

Hartford County, CT is cheaper than Bergen County, NJ.

Moving to Hartford County, CT is estimated to save $9,504 per year.

Cheaper County

Hartford County, CTSave about $9,504 per year.

Salary needed

$50,000 in Bergen County, NJ is about $42,610 in Hartford County, CT.

Biggest drivers

Healthcare increases by $1,459 per year. Housing saves $6,594 per year.

Housing: $6,594 lower in Hartford County, CT

Taxes: $2,103 lower in Hartford County, CT

Childcare: about the same in both counties

Healthcare: $1,459 higher in Hartford County, CT

Food: $138 lower in Hartford County, CT

Transport: $36 lower in Hartford County, CT

Bergen County, NJ→Hartford County, CT

Equivalent salary in Hartford County, CT

$42,610

-14.78% lower

Current salary: $50,000

Household: 1 adult · 0 children

Median Income in Bergen County, NJ: $150,475

Median Income in Hartford County, CT: $0

Living Index in Bergen County, NJ 42.72%

Living Index in Hartford County, CT 0.00%

This estimate matches your purchasing power (equivalent salary) when moving from Bergen County, NJ to Hartford County, CT.

* Living index is estimated as (estimated total cost / area median income) * 100. A living index above 100% means modeled costs exceed median income.

Cost of Living Breakdown by Category

Summary

Moving from Bergen County, NJ to Hartford County, CT is estimated to save $9,504 per year. A $50,000 salary in Bergen County, NJ would have similar purchasing power to about $42,610 in Hartford County, CT. The largest savings come from housing and taxes.

This is a 14.78% decrease in modeled annual costs. Housing is $6,594 per year lower (32.66%); Taxes is $2,103 per year lower (15.83%).

Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.

What changed the most?

The following cards show the annual category differences that most affect the move to Hartford County, CT.

Biggest Cost

Largest annual cost increase when moving to Hartford County, CT

Annual Increase:

$1,459 per year

HEALTHCARE has the largest annual increase when moving to Hartford County, CT.

Biggest Savings

Largest annual savings when moving to Hartford County, CT

Annual Savings:

$6,594 per year

HOUSING has the largest annual savings when moving to Hartford County, CT.

Breakdown of price percentages per category.

Numbers are average costs per section.

Category	Difference
Housing	-32.66% lower
Bergen County, NJ Hartford County, CT Average Cost $20190.00 $13596.00 INFO: Housing costs are based on Department of Housing and Urban Development data. The estimate uses 40th percentile rent for privately owned rental units in each area. Studio apartments are paired with one-adult households, one-bedroom apartments with two-adult households, and two-bedroom apartments with households that have children.
Food	-2.85% lower
Bergen County, NJ Hartford County, CT Average Cost $4846.00 $4708.00 INFO: Food costs are based on the U.S. Department of Agriculture's food plans. Numbers are normalized to each area using Feeding America and Meal Gap data. This estimate assumes most food is bought at local grocery stores and prepared at home.
Transport	-0.29% lower
Bergen County, NJ Hartford County, CT Average Cost $12341.00 $12305.00 INFO: Transportation costs are a combination of auto ownership, auto use, and public transit. Data is collected from the Center for Neighborhood Technology (CNT).
Healthcare	24.95% higher
Bergen County, NJ Hartford County, CT Average Cost $5848.00 $7307.00 INFO: Healthcare expenses come from average insurance premiums and out-of-pocket costs. The estimate assumes families purchase the lowest-cost available insurance plan under the Affordable Care Act. Data comes from Kaiser Family Foundation and the U.S. Department of Health and Human Services (HHS).
Other Costs	-26.89% lower
Bergen County, NJ Hartford County, CT Average Cost $7773.00 $5683.00 INFO: This cost is calculated through the average spending of categories deemed necessary by the Bureau of Labor Statistics Consumer Expenditure Survey. These include apparel, personal care, household supplies, reading materials, and school supplies.
Childcare	0.00% higher
Bergen County, NJ Hartford County, CT Average Cost $0.00 $0.00 INFO: Childcare expenses are based on combined costs for center-based care and family-based care for 4-year-olds and school-aged children. For households with one child, the estimate assumes the child is 4 years old. For households with two children, the estimate assumes the second child is 8 years old.
Taxes	-15.83% lower
Bergen County, NJ Hartford County, CT Average Cost $13285.00 $11182.00 INFO: Taxes are calculated from the National Bureau of Economic Research. The number weighs in personal income tax, state income tax, federal Social Security, and Medicare taxes.

In Hartford County, CT, modeled annual costs are $54,780 compared with $64,284 in Bergen County, NJ.

Overall, annual costs are lower in Hartford County, CT. The category breakdown above shows where the move creates the most room in the budget.

In this case Hartford County, CT and Bergen County, NJ are both metropolitan locations.

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