Everett, MA vs Bayonne, NJ: Cost of Living

Which city costs less?

Bayonne, NJ has a modeled overall cost index 13.8% lower than Everett, MA.

Everett, MA · modeled 2BR rent: $2,760 / month
Bayonne, NJ · modeled 2BR rent: $2,430 / 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 Everett, MA and Bayonne, 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 Everett, MA

Numbers update automatically as you type

Estimated savings: $934/month in Bayonne, NJ

$150,000 in your current city has a modeled equivalent of $138,793 in Bayonne, NJ

Regional cost estimates: Everett, MA uses Boston, MA. Bayonne, NJ uses Jersey City, NJ. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 13.8%

Less expensive

Monthly Impact

$934

Savings

Annual Impact

$11.2K

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.

Everett, MA

Population:50K

Cost Index:

140.6

100 = national average

Typical Home:$618K

Bayonne, NJ

Population:70K

Cost Index:

121.1

100 = national average

Typical Home:$573K

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Everett, MA

The Bay State

50K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 50K residents.

Bayonne, NJ

The Garden State

70K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 70K residents.

Cost Breakdown by Category

Estimated monthly spending: Everett, MA vs Bayonne, 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	Everett, MA	Bayonne, NJ	Difference	Change
Housing	$3,232/mo	$2,339/mo	↓ $893less	27.6%
Other	$1,242/mo	$1,417/mo	↑ $174more	14.0%
Transportation	$1,246/mo	$1,118/mo	↓ $128less	10.3%
All Utilities	$502/mo	$423/mo	↓ $78.60less	15.7%
Healthcare	$521/mo	$489/mo	↓ $32.55less	6.2%
Groceries	$756/mo	$781/mo	↑ $24.45more	3.2%

Housing

↓ 27.6%

Everett, MA

$3,232

Bayonne, NJ

$2,339

Difference

$893

less

Other

↑ 14.0%

Everett, MA

$1,242

Bayonne, NJ

$1,417

Difference

$174

Transportation

↓ 10.3%

Everett, MA

$1,246

Bayonne, NJ

$1,118

Difference

$128

less

All Utilities

↓ 15.7%

Everett, MA

$502

Bayonne, NJ

$423

Difference

$78.60

less

Healthcare

↓ 6.2%

Everett, MA

$521

Bayonne, NJ

$489

Difference

$32.55

less

Groceries

↑ 3.2%

Everett, MA

$756

Bayonne, NJ

$781

Difference

$24.45

🏠Rent Comparison

Studio

From$2,210

To$2,120

↓ $90.00

1 Bed

From$2,320

To$2,160

↓ $160

2 Bed

From$2,760

To$2,430

↓ $330

3 Bed

From$3,310

To$2,960

↓ $350

Everett, MAZIP-level data

1BR range: $2,320–$2,320/mo

Bayonne, NJZIP-level data

1BR range: $2,160–$2,160/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 Everett, MA

$6,566

Monthly in Bayonne, NJ

$934

Difference

Home Values

Everett

Bayonne

$618K

Median Value

$573K

↑ +1.1%

YoY Change

↑ +0.7%

↑ +25.5%

5-Year Change

↑ +32.2%

Homes in Bayonne are 7% less expensive than Everett

Calculate payment - Everett Calculate payment - Bayonne

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

Everett, 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

Bayonne, 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

Everett, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

Bayonne, 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

Everett

Bayonne

36 Good

Air Quality

41 Good

79.5%

Good Air Days

71.3%

94 Moderate

Climate Risk

97 High

🌊🌅🌀

Top Hazards

🌊🌅🌡

▲+2.5°F

2050 Outlook

▲+2.8°F

6 days

Heat Days >95°F

12 days

▲+2.5°F

2050 Outlook

▲+2.8°F

6 days

Heat Days >95°F

12 days

Before moving from Everett, MA to Bayonne, NJ

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

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

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

Frequently Asked Questions: Everett, MA vs Bayonne, NJ

How do the cost estimates for Everett, MA and Bayonne, NJ compare?

Bayonne, NJ has a modeled overall cost index 13.8% lower than Everett, 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 Everett, MA, the model estimates $138,793 in Bayonne, 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 Everett, MA and Bayonne, NJ?

The modeled two-bedroom rents are $2,760/month in Everett, MA and $2,430/month in Bayonne, 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