Little Silver, NJ vs Bernardsville, NJ: Cost of Living

Which city costs less?

Bernardsville, NJ has a modeled overall cost index 30.4% lower than Little Silver, NJ.

Little Silver, NJ · modeled 2BR rent: $2,970 / month
Bernardsville, NJ · modeled 2BR rent: $2,790 / 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 Little Silver, NJ and Bernardsville, 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 Little Silver, NJ

Numbers update automatically as you type

Estimated savings: $2,485/month in Bernardsville, NJ

$150,000 in your current city has a modeled equivalent of $120,182 in Bernardsville, NJ

Regional cost estimates: Little Silver, NJ uses New York, NY. Bernardsville, NJ uses Newark, NJ. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 30.4%

Less expensive

Monthly Impact

$2,485

Savings

Annual Impact

$29.8K

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.

Little Silver, NJ

Population:6K

Cost Index:

142.8

100 = national average

Typical Home:$1.07M

Bernardsville, NJ

Population:8K

Cost Index:

99.4

100 = national average

Typical Home:$976K

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Little Silver, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 6K residents.

Bernardsville, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 8K residents.

Cost Breakdown by Category

Estimated monthly spending: Little Silver, NJ vs Bernardsville, 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	Little Silver, NJ	Bernardsville, NJ	Difference	Change
Housing	$3,917/mo	$1,253/mo	↓ $2,664less	68.0%
Other	$1,157/mo	$1,248/mo	↑ $90.20more	7.8%
Transportation	$912/mo	$984/mo	↑ $72.60more	8.0%
Healthcare	$424/mo	$442/mo	↑ $17.14more	4.0%
Groceries	$719/mo	$706/mo	↓ $13.31less	1.9%
All Utilities	$370/mo	$382/mo	↑ $12.15more	3.3%

Housing

↓ 68.0%

Little Silver, NJ

$3,917

Bernardsville, NJ

$1,253

Difference

$2,664

less

Other

↑ 7.8%

Little Silver, NJ

$1,157

Bernardsville, NJ

$1,248

Difference

$90.20

Transportation

↑ 8.0%

Little Silver, NJ

$912

Bernardsville, NJ

$984

Difference

$72.60

Healthcare

↑ 4.0%

Little Silver, NJ

$424

Bernardsville, NJ

$442

Difference

$17.14

Groceries

↓ 1.9%

Little Silver, NJ

$719

Bernardsville, NJ

$706

Difference

$13.31

less

All Utilities

↑ 3.3%

Little Silver, NJ

$370

Bernardsville, NJ

$382

Difference

$12.15

🏠Rent Comparison

Studio

From$2,140

To$2,020

↓ $120

1 Bed

From$2,410

To$2,220

↓ $190

2 Bed

From$2,970

To$2,790

↓ $180

3 Bed

From$3,880

To$3,350

↓ $530

Little Silver, NJZIP-level data

1BR range: $2,410–$2,410/mo

Bernardsville, NJZIP-level data

1BR range: $2,220–$2,220/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 Little Silver, NJ

$5,015

Monthly in Bernardsville, NJ

$2,485

Difference

Home Values

Little Silver

Bernardsville

$1.07M

Median Value

$976K

↑ +6.6%

YoY Change

↑ +3.3%

↑ +55.1%

5-Year Change

↑ +46.5%

Homes in Bernardsville are 9% less expensive than Little Silver

Calculate payment - Little Silver Calculate payment - Bernardsville

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

Little Silver, 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

Bernardsville, 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

Little Silver, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Bernardsville, 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

Little Silver

Bernardsville

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 Little Silver, NJ to Bernardsville, NJ

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

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

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

Frequently Asked Questions: Little Silver, NJ vs Bernardsville, NJ

How do the cost estimates for Little Silver, NJ and Bernardsville, NJ compare?

Bernardsville, NJ has a modeled overall cost index 30.4% lower than Little Silver, 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 Little Silver, NJ, the model estimates $120,182 in Bernardsville, 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 Little Silver, NJ and Bernardsville, NJ?

The modeled two-bedroom rents are $2,970/month in Little Silver, NJ and $2,790/month in Bernardsville, 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.