Elmwood Park, NJ vs Boston, MA: Cost of Living

Which city costs less?

Boston, MA has a modeled overall cost index 46.5% higher than Elmwood Park, NJ.

Elmwood Park, NJ · modeled 2BR rent: $2,690 / month
Boston, MA · modeled 2BR rent: $3,865 / 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 Elmwood Park, NJ and Boston, MA 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 Elmwood Park, NJ

Numbers update automatically as you type

Estimated extra cost: $3,758/month in Boston, MA

$150,000 in your current city has a modeled equivalent of $195,094 in Boston, MA

Regional cost estimates: Elmwood Park, NJ uses Newark, NJ. Boston, MA uses Boston-Cambridge-Newton, MA-NH Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 46.5%

More expensive

Monthly Impact

$3,758

Extra cost

Annual Impact

$45.1K

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.

Elmwood Park, NJ

Population:21K

Cost Index:

101.7

100 = national average

Typical Home:$604K

Boston, MA

Population:685K

Cost Index:

149.0

100 = national average

Typical Home:$961K

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Elmwood Park, NJ

The Garden State

21K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 21K residents.

Boston, MA

The Bay State

685K

Population

State Tax

Yes

Climate

Continental

Notable Facts

•Major education center
•Biotech capital
•Historic American city

Major Industries

EducationHealthcareTechnologyFinance

Cost Breakdown by Category

Estimated monthly spending: Elmwood Park, NJ vs Boston, MA

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	Elmwood Park, NJ	Boston, MA	Difference	Change
Housing	$1,881/mo	$5,178/mo	↑ $3,297more	175.3%
Transportation	$1,477/mo	$1,797/mo	↑ $319more	21.6%
All Utilities	$567/mo	$703/mo	↑ $135more	23.8%
Other	$1,872/mo	$1,791/mo	↓ $81.26less	4.3%
Healthcare	$655/mo	$730/mo	↑ $74.71more	11.4%
Groceries	$1,047/mo	$1,059/mo	↑ $12.31more	1.2%

Housing

↑ 175.3%

Elmwood Park, NJ

$1,881

Boston, MA

$5,178

Difference

$3,297

Transportation

↑ 21.6%

Elmwood Park, NJ

$1,477

Boston, MA

$1,797

Difference

$319

All Utilities

↑ 23.8%

Elmwood Park, NJ

$567

Boston, MA

$703

Difference

$135

Other

↓ 4.3%

Elmwood Park, NJ

$1,872

Boston, MA

$1,791

Difference

$81.26

less

Healthcare

↑ 11.4%

Elmwood Park, NJ

$655

Boston, MA

$730

Difference

$74.71

Groceries

↑ 1.2%

Elmwood Park, NJ

$1,047

Boston, MA

$1,059

Difference

$12.31

🏠Rent Comparison

Studio

From$2,060

To$3,095

↑ $1,035

1 Bed

From$2,340

To$3,255

↑ $915

2 Bed

From$2,690

To$3,865

↑ $1,175

3 Bed

From$3,280

To$4,630

↑ $1,350

Elmwood Park, NJZIP-level data

1BR range: $2,340–$2,340/mo

Boston, MAZIP-level data

1BR range: $2,560–$3,710/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 Elmwood Park, NJ

$11,258

Monthly in Boston, MA

$3,758

Difference

Home Values

Elmwood Park

Boston

$604K

Median Value

$961K

↑ +2.9%

YoY Change

↓ -0.7%

↑ +30.1%

5-Year Change

↑ +7%

$604K

Price Range

$709K - $3.40M

Homes in Boston are 59% more expensive than Elmwood Park

Calculate payment - Elmwood Park Calculate payment - Boston

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $69.50

More taxes

Monthly Difference

$5.79

Less take-home

Effective Rate Diff

0.0%

Rate difference

Elmwood Park, 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

Boston, 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

Additional Tax Information

Elmwood Park, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Boston, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

💡 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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Elmwood Park, NJ: No data yet

Boston, MA

32/100

1.7% sidewalk tags · 5.5% cycling tags

Environment

Elmwood Park

Boston

N/A

Air Quality

36 Good

Good Air Days

79.5%

98 High

Climate Risk

94 Moderate

🌊🌡🌪

Top Hazards

🌊🌅🌀

▲+2.9°F

2050 Outlook

▲+2.5°F

15 days

Heat Days >95°F

6 days

▲+2.9°F

2050 Outlook

▲+2.5°F

15 days

Heat Days >95°F

6 days

Before moving from Elmwood Park, NJ to Boston, MA

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

Compare actual homes. Get current quotes in Boston, MA for the same bedroom count and included utilities as your home in Elmwood Park, 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 Elmwood Park to Boston moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Boston, MA by cost, housing, population and region.

Frequently Asked Questions: Elmwood Park, NJ vs Boston, MA

How do the cost estimates for Elmwood Park, NJ and Boston, MA compare?

Boston, MA has a modeled overall cost index 46.5% higher than Elmwood Park, 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 Elmwood Park, NJ, the model estimates $195,094 in Boston, MA. 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 Elmwood Park, NJ and Boston, MA?

The modeled two-bedroom rents are $2,690/month in Elmwood Park, NJ and $3,865/month in Boston, MA. 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 New Jersey and Massachusetts on TaxTakeHome.com