Bradley Beach, NJ vs Mountain Lakes, NJ: Cost of Living

Which city costs less?

Mountain Lakes, NJ has a modeled overall cost index 29.8% lower than Bradley Beach, NJ.

Bradley Beach, NJ · modeled 2BR rent: $2,290 / month
Mountain Lakes, NJ · modeled 2BR rent: $2,490 / 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 Bradley Beach, NJ and Mountain Lakes, 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 Bradley Beach, NJ

Numbers update automatically as you type

Estimated savings: $2,440/month in Mountain Lakes, NJ

$150,000 in your current city has a modeled equivalent of $120,714 in Mountain Lakes, NJ

Regional cost estimates: Bradley Beach, NJ uses New York, NY. Mountain Lakes, NJ uses Newark, NJ. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 29.8%

Less expensive

Monthly Impact

$2,440

Savings

Annual Impact

$29.3K

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.

Bradley Beach, NJ

Population:4K

Cost Index:

139.7

100 = national average

Typical Home:$1.05M

Mountain Lakes, NJ

Population:5K

Cost Index:

98.1

100 = national average

Typical Home:$1.16M

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Bradley Beach, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 4K residents.

Mountain Lakes, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 5K residents.

Cost Breakdown by Category

Estimated monthly spending: Bradley Beach, NJ vs Mountain Lakes, 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	Bradley Beach, NJ	Mountain Lakes, NJ	Difference	Change
Housing	$3,908/mo	$1,262/mo	↓ $2,646less	67.7%
Other	$1,155/mo	$1,256/mo	↑ $101more	8.8%
Transportation	$910/mo	$991/mo	↑ $81.39more	8.9%
Healthcare	$428/mo	$447/mo	↑ $19.31more	4.5%
All Utilities	$374/mo	$388/mo	↑ $14.00more	3.7%
Groceries	$725/mo	$715/mo	↓ $10.19less	1.4%

Housing

↓ 67.7%

Bradley Beach, NJ

$3,908

Mountain Lakes, NJ

$1,262

Difference

$2,646

less

Other

↑ 8.8%

Bradley Beach, NJ

$1,155

Mountain Lakes, NJ

$1,256

Difference

$101

Transportation

↑ 8.9%

Bradley Beach, NJ

$910

Mountain Lakes, NJ

$991

Difference

$81.39

Healthcare

↑ 4.5%

Bradley Beach, NJ

$428

Mountain Lakes, NJ

$447

Difference

$19.31

All Utilities

↑ 3.7%

Bradley Beach, NJ

$374

Mountain Lakes, NJ

$388

Difference

$14.00

Groceries

↓ 1.4%

Bradley Beach, NJ

$725

Mountain Lakes, NJ

$715

Difference

$10.19

less

🏠Rent Comparison

Studio

From$1,650

To$1,820

↑ $170

1 Bed

From$1,860

To$2,060

↑ $200

2 Bed

From$2,290

To$2,490

↑ $200

3 Bed

From$2,990

To$3,110

↑ $120

Bradley Beach, NJZIP-level data

1BR range: $1,860–$1,860/mo

Mountain Lakes, NJZIP-level data

1BR range: $2,060–$2,060/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 Bradley Beach, NJ

$5,060

Monthly in Mountain Lakes, NJ

$2,440

Difference

Home Values

Bradley Beach

Mountain Lakes

$1.05M

Median Value

$1.16M

↑ +5.6%

YoY Change

↑ +6.3%

↑ +53.7%

5-Year Change

↑ +41.6%

Homes in Mountain Lakes are 10% more expensive than Bradley Beach

Calculate payment - Bradley Beach Calculate payment - Mountain Lakes

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

Bradley Beach, 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

Mountain Lakes, 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

Bradley Beach, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Mountain Lakes, 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

Bradley Beach

Mountain Lakes

43 Good

Air Quality

N/A

65.8%

Good Air Days

99 High

Climate Risk

98 High

🌊🌀🌡

Top Hazards

🌊🌡🌪

▲+2.7°F

2050 Outlook

▲+2.9°F

11 days

Heat Days >95°F

15 days

▲+2.7°F

2050 Outlook

▲+2.9°F

11 days

Heat Days >95°F

15 days

Before moving from Bradley Beach, NJ to Mountain Lakes, NJ

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

Compare actual homes. Get current quotes in Mountain Lakes, NJ for the same bedroom count and included utilities as your home in Bradley Beach, 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 Bradley Beach to Mountain Lakes moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Bradley Beach, NJ vs Mountain Lakes, NJ

How do the cost estimates for Bradley Beach, NJ and Mountain Lakes, NJ compare?

Mountain Lakes, NJ has a modeled overall cost index 29.8% lower than Bradley Beach, 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 Bradley Beach, NJ, the model estimates $120,714 in Mountain Lakes, 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 Bradley Beach, NJ and Mountain Lakes, NJ?

The modeled two-bedroom rents are $2,290/month in Bradley Beach, NJ and $2,490/month in Mountain Lakes, 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.