Beverly, MA vs Long Branch, NJ: Cost of Living

Which city costs less?

Long Branch, NJ has a modeled overall cost index 5.4% higher than Beverly, MA.

Beverly, MA · modeled 2BR rent: $2,680 / month
Long Branch, NJ · modeled 2BR rent: $2,360 / 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 Beverly, MA and Long Branch, 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 Beverly, MA

Numbers update automatically as you type

Estimated extra cost: $856/month in Long Branch, NJ

$150,000 in your current city has a modeled equivalent of $160,266 in Long Branch, NJ

Regional cost estimates: Beverly, MA uses Boston, MA. Long Branch, NJ uses New York, NY. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 5.4%

More expensive

Monthly Impact

$856

Extra cost

Annual Impact

$10.3K

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.

Beverly, MA

Population:42K

Cost Index:

140.0

100 = national average

Typical Home:$731K

Long Branch, NJ

Population:33K

Cost Index:

147.5

100 = national average

Typical Home:$775K

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Beverly, MA

The Bay State

42K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 42K residents.

Long Branch, NJ

The Garden State

33K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 33K residents.

Cost Breakdown by Category

Estimated monthly spending: Beverly, MA vs Long Branch, 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	Beverly, MA	Long Branch, NJ	Difference	Change
Housing	$3,231/mo	$4,378/mo	↑ $1,147more	35.5%
Transportation	$1,246/mo	$1,019/mo	↓ $226less	18.2%
All Utilities	$503/mo	$407/mo	↓ $95.31less	19.0%
Healthcare	$522/mo	$467/mo	↓ $55.17less	10.6%
Other	$1,242/mo	$1,294/mo	↑ $52.02more	4.2%
Groceries	$758/mo	$791/mo	↑ $33.17more	4.4%

Housing

↑ 35.5%

Beverly, MA

$3,231

Long Branch, NJ

$4,378

Difference

$1,147

Transportation

↓ 18.2%

Beverly, MA

$1,246

Long Branch, NJ

$1,019

Difference

$226

less

All Utilities

↓ 19.0%

Beverly, MA

$503

Long Branch, NJ

$407

Difference

$95.31

less

Healthcare

↓ 10.6%

Beverly, MA

$522

Long Branch, NJ

$467

Difference

$55.17

less

Other

↑ 4.2%

Beverly, MA

$1,242

Long Branch, NJ

$1,294

Difference

$52.02

Groceries

↑ 4.4%

Beverly, MA

$758

Long Branch, NJ

$791

Difference

$33.17

🏠Rent Comparison

Studio

From$2,150

To$1,700

↓ $450

1 Bed

From$2,260

To$1,910

↓ $350

2 Bed

From$2,680

To$2,360

↓ $320

3 Bed

From$3,210

To$3,090

↓ $120

Beverly, MAZIP-level data

1BR range: $2,260–$2,260/mo

Long Branch, NJZIP-level data

1BR range: $1,910–$1,910/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 Beverly, MA

$8,356

Monthly in Long Branch, NJ

$856

Difference

Home Values

Beverly

Long Branch

$731K

Median Value

$775K

↑ +2.8%

YoY Change

↑ +0.9%

↑ +33.1%

5-Year Change

↑ +47.9%

Homes in Long Branch are 6% more expensive than Beverly

Calculate payment - Beverly Calculate payment - Long Branch

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $69.50

Per year

Monthly Difference

$5.79

More take-home

Effective Rate Diff

0.0%

Rate difference

Beverly, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

Long Branch, 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

Beverly, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

Long Branch, 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

Beverly

Long Branch

36 Good

Air Quality

43 Good

79.5%

Good Air Days

65.8%

94 Moderate

Climate Risk

99 High

🌊🌅🌀

Top Hazards

🌊🌀🌡

▲+2.5°F

2050 Outlook

▲+2.7°F

6 days

Heat Days >95°F

11 days

▲+2.5°F

2050 Outlook

▲+2.7°F

6 days

Heat Days >95°F

11 days

Before moving from Beverly, MA to Long Branch, NJ

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

Compare actual homes. Get current quotes in Long Branch, NJ for the same bedroom count and included utilities as your home in Beverly, MA. 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 Beverly to Long Branch moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Beverly, MA vs Long Branch, NJ

How do the cost estimates for Beverly, MA and Long Branch, NJ compare?

Long Branch, NJ has a modeled overall cost index 5.4% higher than Beverly, MA. 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 Beverly, MA, the model estimates $160,266 in Long Branch, 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 Beverly, MA and Long Branch, NJ?

The modeled two-bedroom rents are $2,680/month in Beverly, MA and $2,360/month in Long Branch, 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.

💰 See how taxes change too — compare take-home pay between Massachusetts and New Jersey on TaxTakeHome.com