Freehold, NJ vs Little Ferry, NJ: Cost of Living

Which city costs less?

Little Ferry, NJ has a modeled overall cost index 16.3% higher than Freehold, NJ.

Freehold, NJ · modeled 2BR rent: $2,520 / month
Little Ferry, NJ · modeled 2BR rent: $2,280 / 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 Freehold, NJ and Little Ferry, 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 Freehold, NJ

Numbers update automatically as you type

Estimated extra cost: $1,245/month in Little Ferry, NJ

$150,000 in your current city has a modeled equivalent of $164,943 in Little Ferry, NJ

Regional cost estimates: Freehold, NJ uses Newark, NJ. Little Ferry, NJ uses Jersey City, NJ. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 16.3%

More expensive

Monthly Impact

$1,245

Extra cost

Annual Impact

$14.9K

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.

Freehold, NJ

Population:12K

Cost Index:

99.8

100 = national average

Typical Home:$620K

Little Ferry, NJ

Population:11K

Cost Index:

116.1

100 = national average

Typical Home:$581K

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Freehold, NJ

The Garden State

12K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 12K residents.

Little Ferry, NJ

The Garden State

11K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 11K residents.

Cost Breakdown by Category

Estimated monthly spending: Freehold, NJ vs Little Ferry, 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	Freehold, NJ	Little Ferry, NJ	Difference	Change
Housing	$1,875/mo	$3,098/mo	↑ $1,223more	65.2%
Other	$1,867/mo	$1,876/mo	↑ $9.40more	0.5%
Transportation	$1,473/mo	$1,480/mo	↑ $7.41more	0.5%
Groceries	$1,054/mo	$1,057/mo	↑ $2.65more	0.3%
Healthcare	$659/mo	$661/mo	↑ $1.66more	0.3%
All Utilities	$571/mo	$573/mo	↑ $1.44more	0.3%

Housing

↑ 65.2%

Freehold, NJ

$1,875

Little Ferry, NJ

$3,098

Difference

$1,223

Other

↑ 0.5%

Freehold, NJ

$1,867

Little Ferry, NJ

$1,876

Difference

$9.40

Transportation

↑ 0.5%

Freehold, NJ

$1,473

Little Ferry, NJ

$1,480

Difference

$7.41

Groceries

↑ 0.3%

Freehold, NJ

$1,054

Little Ferry, NJ

$1,057

Difference

$2.65

Healthcare

↑ 0.3%

Freehold, NJ

$659

Little Ferry, NJ

$661

Difference

$1.66

All Utilities

↑ 0.3%

Freehold, NJ

$571

Little Ferry, NJ

$573

Difference

$1.44

🏠Rent Comparison

Studio

From$1,810

To$1,740

↓ $70.00

1 Bed

From$2,040

To$1,990

↓ $50.00

2 Bed

From$2,520

To$2,280

↓ $240

3 Bed

From$3,290

To$2,780

↓ $510

Freehold, NJZIP-level data

1BR range: $2,040–$2,040/mo

Little Ferry, NJZIP-level data

1BR range: $1,990–$1,990/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 Freehold, NJ

$8,745

Monthly in Little Ferry, NJ

$1,245

Difference

Home Values

Freehold

Little Ferry

$620K

Median Value

$581K

↑ +1.9%

YoY Change

↑ +3%

↑ +47%

5-Year Change

↑ +43.3%

Homes in Little Ferry are 6% less expensive than Freehold

Calculate payment - Freehold Calculate payment - Little Ferry

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

Freehold, 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 Ferry, 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

Freehold, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Little Ferry, 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

Freehold

Little Ferry

N/A

Air Quality

41 Good

Good Air Days

71.3%

98 High

Climate Risk

97 High

🌊🌡🌪

Top Hazards

🌊🌅🌡

▲+2.9°F

2050 Outlook

▲+2.8°F

15 days

Heat Days >95°F

12 days

▲+2.9°F

2050 Outlook

▲+2.8°F

15 days

Heat Days >95°F

12 days

Before moving from Freehold, NJ to Little Ferry, 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 Ferry, NJ for the same bedroom count and included utilities as your home in Freehold, 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 Freehold to Little Ferry moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Freehold, NJ vs Little Ferry, NJ

How do the cost estimates for Freehold, NJ and Little Ferry, NJ compare?

Little Ferry, NJ has a modeled overall cost index 16.3% higher than Freehold, 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 Freehold, NJ, the model estimates $164,943 in Little Ferry, 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 Freehold, NJ and Little Ferry, NJ?

The modeled two-bedroom rents are $2,520/month in Freehold, NJ and $2,280/month in Little Ferry, 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.