Bernardsville, NJ vs Little Silver, NJ: Cost of Living

Which city costs less?

Little Silver, NJ has a modeled overall cost index 43.7% higher than Bernardsville, NJ.

Bernardsville, NJ · modeled 2BR rent: $2,790 / month
Little Silver, NJ · modeled 2BR rent: $2,970 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Bernardsville, NJ and Little Silver, NJ using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Bernardsville, NJ

Numbers update automatically as you type

Estimated extra cost: $3,716/month in Little Silver, NJ

$150,000 in your current city has a modeled equivalent of $194,591 in Little Silver, NJ

Regional cost estimates: Bernardsville, NJ uses Newark, NJ. Little Silver, NJ uses New York, NY. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 43.7%

More expensive

Monthly Impact

$3,716

Extra cost

Annual Impact

$44.6K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Bernardsville, NJ

Population:8K

Cost Index:

99.4

100 = national average

Typical Home:$976K

Little Silver, NJ

Population:6K

Cost Index:

142.8

100 = national average

Typical Home:$1.07M

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Bernardsville, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 8K residents.

Little Silver, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 6K residents.

Cost Breakdown by Category

Estimated monthly spending: Bernardsville, NJ vs Little Silver, NJ

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Bernardsville, NJ	Little Silver, NJ	Difference	Change
Housing	$1,874/mo	$5,858/mo	↑ $3,983more	212.5%
Other	$1,866/mo	$1,731/mo	↓ $135less	7.2%
Transportation	$1,472/mo	$1,364/mo	↓ $109less	7.4%
Healthcare	$660/mo	$635/mo	↓ $25.63less	3.9%
Groceries	$1,056/mo	$1,075/mo	↑ $19.91more	1.9%
All Utilities	$572/mo	$554/mo	↓ $18.16less	3.2%

Housing

↑ 212.5%

Bernardsville, NJ

$1,874

Little Silver, NJ

$5,858

Difference

$3,983

Other

↓ 7.2%

Bernardsville, NJ

$1,866

Little Silver, NJ

$1,731

Difference

$135

less

Transportation

↓ 7.4%

Bernardsville, NJ

$1,472

Little Silver, NJ

$1,364

Difference

$109

less

Healthcare

↓ 3.9%

Bernardsville, NJ

$660

Little Silver, NJ

$635

Difference

$25.63

less

Groceries

↑ 1.9%

Bernardsville, NJ

$1,056

Little Silver, NJ

$1,075

Difference

$19.91

All Utilities

↓ 3.2%

Bernardsville, NJ

$572

Little Silver, NJ

$554

Difference

$18.16

less

🏠Rent Comparison

Studio

From$2,020

To$2,140

↑ $120

1 Bed

From$2,220

To$2,410

↑ $190

2 Bed

From$2,790

To$2,970

↑ $180

3 Bed

From$3,350

To$3,880

↑ $530

Bernardsville, NJZIP-level data

1BR range: $2,220–$2,220/mo

Little Silver, NJZIP-level data

1BR range: $2,410–$2,410/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Bernardsville, NJ

$11,216

Monthly in Little Silver, NJ

$3,716

Difference

Home Values

Bernardsville

Little Silver

$976K

Median Value

$1.07M

↑ +3.3%

YoY Change

↑ +6.6%

↑ +46.5%

5-Year Change

↑ +55.1%

Homes in Little Silver are 10% more expensive than Bernardsville

Calculate payment - Bernardsville Calculate payment - Little Silver

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Bernardsville, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

Little Silver, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

Additional Tax Information

Bernardsville, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Little Silver, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Bernardsville

Little Silver

N/A

Air Quality

43 Good

Good Air Days

65.8%

98 High

Climate Risk

99 High

🌊🌡🌪

Top Hazards

🌊🌀🌡

▲+2.9°F

2050 Outlook

▲+2.7°F

15 days

Heat Days >95°F

11 days

▲+2.9°F

2050 Outlook

▲+2.7°F

15 days

Heat Days >95°F

11 days

Before moving from Bernardsville, NJ to Little Silver, NJ

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Little Silver, NJ for the same bedroom count and included utilities as your home in Bernardsville, NJ. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Bernardsville to Little Silver moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Little Silver, NJ by cost, housing, population and region.

Frequently Asked Questions: Bernardsville, NJ vs Little Silver, NJ

How do the cost estimates for Bernardsville, NJ and Little Silver, NJ compare?

Little Silver, NJ has a modeled overall cost index 43.7% higher than Bernardsville, NJ. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Bernardsville, NJ, the model estimates $194,591 in Little Silver, NJ. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Bernardsville, NJ and Little Silver, NJ?

The modeled two-bedroom rents are $2,790/month in Bernardsville, NJ and $2,970/month in Little Silver, NJ. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.