Hackettstown, NJ vs Somersworth, NH: Cost of Living

Which city costs less?

Somersworth, NH has a modeled overall cost index 19.6% higher than Hackettstown, NJ.

Hackettstown, NJ · modeled 2BR rent: $2,000 / month
Somersworth, NH · modeled 2BR rent: $2,000 / 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 Hackettstown, NJ and Somersworth, NH 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 Hackettstown, NJ

Numbers update automatically as you type

Estimated extra cost: $1,481/month in Somersworth, NH

$150,000 in your current city has a modeled equivalent of $167,773 in Somersworth, NH

Regional cost estimates: Hackettstown, NJ uses Newark, NJ. Somersworth, NH uses Boston, MA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 19.6%

More expensive

Monthly Impact

$1,481

Extra cost

Annual Impact

$17.8K

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.

Hackettstown, NJ

Population:10K

Cost Index:

100.5

100 = national average

Typical Home:$479K

Somersworth, NH

Population:12K

Cost Index:

120.1

100 = national average

Typical Home:$427K

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Hackettstown, NJ

The Garden State

10K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 10K residents.

Somersworth, NH

The Live Free or Die State

12K

Population

State Tax

No Income Tax

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

💡 Advantage: New Hampshire has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Hackettstown, NJ vs Somersworth, NH

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	Hackettstown, NJ	Somersworth, NH	Difference	Change
Housing	$1,877/mo	$3,797/mo	↑ $1,920more	102.3%
Other	$1,869/mo	$1,459/mo	↓ $410less	21.9%
Groceries	$1,052/mo	$961/mo	↓ $90.33less	8.6%
All Utilities	$570/mo	$638/mo	↑ $67.77more	11.9%
Transportation	$1,475/mo	$1,464/mo	↓ $10.70less	0.7%
Healthcare	$658/mo	$662/mo	↑ $4.28more	0.7%

Housing

↑ 102.3%

Hackettstown, NJ

$1,877

Somersworth, NH

$3,797

Difference

$1,920

Other

↓ 21.9%

Hackettstown, NJ

$1,869

Somersworth, NH

$1,459

Difference

$410

less

Groceries

↓ 8.6%

Hackettstown, NJ

$1,052

Somersworth, NH

$961

Difference

$90.33

less

All Utilities

↑ 11.9%

Hackettstown, NJ

$570

Somersworth, NH

$638

Difference

$67.77

Transportation

↓ 0.7%

Hackettstown, NJ

$1,475

Somersworth, NH

$1,464

Difference

$10.70

less

Healthcare

↑ 0.7%

Hackettstown, NJ

$658

Somersworth, NH

$662

Difference

$4.28

🏠Rent Comparison

Studio

From$1,570

To$1,460

↓ $110

1 Bed

From$1,620

To$1,530

↓ $90.00

2 Bed

From$2,000

To$2,000

→ $0

3 Bed

From$2,530

To$2,460

↓ $70.00

Hackettstown, NJZIP-level data

1BR range: $1,620–$1,620/mo

Somersworth, NHZIP-level data

1BR range: $1,530–$1,530/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 Hackettstown, NJ

$8,981

Monthly in Somersworth, NH

$1,481

Difference

Home Values

Hackettstown

Somersworth

$479K

Median Value

$427K

↑ +2.5%

YoY Change

↑ +2.6%

↑ +43%

5-Year Change

↑ +51.4%

Homes in Somersworth are 11% less expensive than Hackettstown

Calculate payment - Hackettstown Calculate payment - Somersworth

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.4K

Per year

Monthly Difference

$619

More take-home

Effective Rate Diff

5.0%

Rate difference

Hackettstown, 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

Somersworth, NH

Federal Income Tax

Effective: 18.9%

$25.5K

New Hampshire State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Hackettstown, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Somersworth, NH Tax Rates

Sales Tax:0.0%

Property Tax:1.9%

💡 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

Hackettstown

Somersworth

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 Hackettstown, NJ to Somersworth, NH

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

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

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

Frequently Asked Questions: Hackettstown, NJ vs Somersworth, NH

How do the cost estimates for Hackettstown, NJ and Somersworth, NH compare?

Somersworth, NH has a modeled overall cost index 19.6% higher than Hackettstown, 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 Hackettstown, NJ, the model estimates $167,773 in Somersworth, NH. 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 Hackettstown, NJ and Somersworth, NH?

The modeled two-bedroom rents are $2,000/month in Hackettstown, NJ and $2,000/month in Somersworth, NH. 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 New Hampshire on TaxTakeHome.com