Affordability vs median income
Modeled annual costs equal about 112.4% of median family income in Bronx County, NY and 39.0% in Monmouth County, NJ. This matters because a cheaper county can still feel tight if typical local incomes are also lower.
Bronx County, NY vs Monmouth County, NJ: Cost of Living Difference
Monmouth County, NJ is cheaper than Bronx County, NY for modeled annual cost of living. This comparison shows the yearly cost gap, salary needed to keep similar purchasing power, and the categories driving the difference.
Is it cheaper?
Monmouth County, NJ is cheaper than Bronx County, NY.
Cheaper place
Monmouth County, NJSave about $5,946 per year.Cost gap
Moving to Monmouth County, NJ is estimated to save $5,946 per year.
AnnualSave about $5,946 per year.
MonthlySave about $496 per month.
Salary needed
$50,000 in Bronx County, NY is about $45,545 in Monmouth County, NJ.
Biggest drivers
Transport increases by $6,679 per year. Housing saves $4,716 per year.
Bronx County, NY→Monmouth County, NJ
Equivalent salary in Monmouth County, NJ
$45,545
-8.91% lower
Current salary: $50,000
Household: 1 adult · 0 children
Median Income in Bronx County, NY: $59,322
Median Income in Monmouth County, NJ: $155,779
annual living index in Bronx County, NY 112.43%
annual living index in Monmouth County, NJ 39.00%
This estimate matches your purchasing power (equivalent salary) when moving from Bronx County, NY to Monmouth County, NJ.
* Living index is estimated as (estimated annual total cost / area median annual income) * 100. A living index above 100% means modeled costs exceed median income.
Cost of Living Breakdown by Category
Category-by-category comparison
Annual costs are shown for the selected household. The difference column shows how much more or less the category costs in Monmouth County, NJ compared with Bronx County, NY.
| Category | Bronx County, NY | Monmouth County, NJ | Annual difference | Monthly impact | Direction |
|---|---|---|---|---|---|
| Transport | $6,430 | $13,109 | +$6,679(103.87%) | +$557 | Higher in Monmouth County, NJ |
| Housing | $22,767 | $18,051 | -$4,716(-20.71%) | -$393 | Lower in Monmouth County, NJ |
| Taxes | $15,542 | $12,055 | -$3,487(-22.44%) | -$291 | Lower in Monmouth County, NJ |
| Healthcare | $8,992 | $5,580 | -$3,412(-37.94%) | -$284 | Lower in Monmouth County, NJ |
| Other Costs | $8,466 | $7,109 | -$1,357(-16.03%) | -$113 | Lower in Monmouth County, NJ |
| Food | $4,500 | $4,846 | +$346(7.69%) | +$29 | Higher in Monmouth County, NJ |
| Childcare | $0 | $0 | $0(0%) | $0 | About even |
Why this comparison matters
These notes use the actual annual cost differences between Bronx County, NY and Monmouth County, NJ, so the page highlights the budget tradeoffs behind the total.
Housing
Housing is $4,716 per year lower in Monmouth County, NJ than in Bronx County, NY. Housing usually behaves like a fixed monthly commitment, so this matters most for renters or buyers checking whether Monmouth County, NJ changes their baseline budget.
Food
Food is $346 per year higher in Monmouth County, NJ than in Bronx County, NY. Food costs affect weekly cash flow, so even a smaller modeled gap in Monmouth County, NJ can show up quickly for households that cook most meals at home.
Transportation
Transportation is $6,679 per year higher in Monmouth County, NJ than in Bronx County, NY. Transportation matters for commuters because driving distance, vehicle costs, and transit access can change how much of a salary is left after getting around Monmouth County, NJ.
Healthcare
Healthcare is $3,412 per year lower in Monmouth County, NJ than in Bronx County, NY. Healthcare differences are useful for planning premiums and out-of-pocket exposure, especially if Monmouth County, NJ changes provider networks or plan options.
Other necessities
Other necessities is $1,357 per year lower in Monmouth County, NJ than in Bronx County, NY. Other necessities cover everyday basics, so changes in Monmouth County, NJ help explain the non-housing costs that can quietly add up month after month.
Childcare
Childcare is about the same in Bronx County, NY and Monmouth County, NJ, so this category is not a major driver of the modeled gap. Childcare is most important for households with children; in Monmouth County, NJ, this line can swing the result even when housing or taxes look manageable.
Taxes
Taxes is $3,487 per year lower in Monmouth County, NJ than in Bronx County, NY. Taxes affect take-home pay, so the gap in Monmouth County, NJ matters even if the headline salary looks similar before deductions.
Methodology and data vintage
WatchPennies uses county-level 2026 cost estimates from a 2025-2026 cost-data snapshot. The comparison includes housing, food, transportation, healthcare, childcare, other necessities, taxes, total cost, and median family income context when available.
Read the full methodologyFrequently asked questions
Which is cheaper, Bronx County, NY or Monmouth County, NJ?
Monmouth County, NJ is cheaper than Bronx County, NY by about $5,946 per year.
How much salary is needed in Monmouth County, NJ?
A $50,000 salary in Bronx County, NY is modeled as roughly equivalent to $45,545 in Monmouth County, NJ for the selected household profile.
What costs are included in this Bronx County, NY vs Monmouth County, NJ comparison?
The comparison includes housing, food, transportation, healthcare, childcare, other necessities, taxes, total cost, and median family income context when available.
Is this comparison personalized financial advice?
No. WatchPennies comparisons are directional planning estimates based on county-level public datasets, not personalized financial, tax, housing, or relocation advice.
Use our map to visually compare multiple counties at once.
