Midland Park, NJ vs Malverne, NY: Cost of Living

Which city costs less?

Malverne, NY has a modeled overall cost index 44.1% higher than Midland Park, NJ.

Midland Park, NJ · modeled 2BR rent: $2,430 / month
Malverne, NY · modeled 2BR rent: $2,380 / 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 Midland Park, NJ and Malverne, NY 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 Midland Park, NJ

Numbers update automatically as you type

Estimated extra cost: $3,745/month in Malverne, NY

$150,000 in your current city has a modeled equivalent of $194,937 in Malverne, NY

Regional cost estimates: Midland Park, NJ uses Newark, NJ. Malverne, NY uses New York, NY. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 44.1%

More expensive

Monthly Impact

$3,745

Extra cost

Annual Impact

$44.9K

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.

Midland Park, NJ

Population:7K

Cost Index:

99.1

100 = national average

Typical Home:$716K

Malverne, NY

Population:8K

Cost Index:

142.8

100 = national average

Typical Home:$784K

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Midland Park, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 7K residents.

Malverne, NY

The Empire State

Population

State Tax

Yes

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

Cost Breakdown by Category

Estimated monthly spending: Midland Park, NJ vs Malverne, NY

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	Midland Park, NJ	Malverne, NY	Difference	Change
Housing	$1,873/mo	$5,873/mo	↑ $3,999more	213.5%
Other	$1,865/mo	$1,735/mo	↓ $130less	6.9%
Transportation	$1,471/mo	$1,367/mo	↓ $104less	7.1%
Healthcare	$661/mo	$636/mo	↓ $24.70less	3.7%
Groceries	$1,057/mo	$1,078/mo	↑ $21.55more	2.0%
All Utilities	$572/mo	$555/mo	↓ $17.34less	3.0%

Housing

↑ 213.5%

Midland Park, NJ

$1,873

Malverne, NY

$5,873

Difference

$3,999

Other

↓ 6.9%

Midland Park, NJ

$1,865

Malverne, NY

$1,735

Difference

$130

less

Transportation

↓ 7.1%

Midland Park, NJ

$1,471

Malverne, NY

$1,367

Difference

$104

less

Healthcare

↓ 3.7%

Midland Park, NJ

$661

Malverne, NY

$636

Difference

$24.70

less

Groceries

↑ 2.0%

Midland Park, NJ

$1,057

Malverne, NY

$1,078

Difference

$21.55

All Utilities

↓ 3.0%

Midland Park, NJ

$572

Malverne, NY

$555

Difference

$17.34

less

🏠Rent Comparison

Studio

From$1,860

To$1,730

↓ $130

1 Bed

From$2,120

To$2,060

↓ $60.00

2 Bed

From$2,430

To$2,380

↓ $50.00

3 Bed

From$2,960

To$3,090

↑ $130

Midland Park, NJZIP-level data

1BR range: $2,120–$2,120/mo

Malverne, NYZIP-level data

1BR range: $2,060–$2,060/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 Midland Park, NJ

$11,245

Monthly in Malverne, NY

$3,745

Difference

Home Values

Midland Park

Malverne

$716K

Median Value

$784K

↑ +4.1%

YoY Change

↑ +4.6%

↑ +35.9%

5-Year Change

↑ +31.5%

Homes in Malverne are 10% more expensive than Midland Park

Calculate payment - Midland Park Calculate payment - Malverne

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $2.1K

More taxes

Monthly Difference

$176

Less take-home

Effective Rate Diff

1.4%

Rate difference

Midland 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

Malverne, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Additional Tax Information

Midland Park, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Malverne, NY Tax Rates

Sales Tax:8.8%

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.

Environment

Midland Park

Malverne

N/A

Air Quality

43 Good

Good Air Days

65.8%

98 High

Climate Risk

99 High

🌊🌡🌪

Top Hazards

🌊🌀🌡

▲+2.9°F

2050 Outlook

▲+2.7°F

15 days

Heat Days >95°F

11 days

▲+2.9°F

2050 Outlook

▲+2.7°F

15 days

Heat Days >95°F

11 days

Before moving from Midland Park, NJ to Malverne, NY

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

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

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

Frequently Asked Questions: Midland Park, NJ vs Malverne, NY

How do the cost estimates for Midland Park, NJ and Malverne, NY compare?

Malverne, NY has a modeled overall cost index 44.1% higher than Midland 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 Midland Park, NJ, the model estimates $194,937 in Malverne, NY. 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 Midland Park, NJ and Malverne, NY?

The modeled two-bedroom rents are $2,430/month in Midland Park, NJ and $2,380/month in Malverne, NY. 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 York on TaxTakeHome.com