Monmouth Beach, NJ vs Bradley Beach, NJ: Cost of Living

Which city costs less?

Bradley Beach, NJ has a modeled overall cost index 2.1% lower than Monmouth Beach, NJ.

Monmouth Beach, NJ · modeled 2BR rent: $2,920 / month
Bradley Beach, NJ · modeled 2BR rent: $2,290 / 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 Monmouth Beach, NJ and Bradley Beach, 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 Monmouth Beach, NJ

Numbers update automatically as you type

Estimated savings: $145/month in Bradley Beach, NJ

$150,000 in your current city has a modeled equivalent of $148,263 in Bradley Beach, NJ

Regional cost estimates: Monmouth Beach, NJ uses New York, NY. Bradley Beach, NJ uses New York, NY. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 2.1%

Less expensive

Monthly Impact

$145

Savings

Annual Impact

$1.7K

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.

Monmouth Beach, NJ

Population:3K

Cost Index:

142.8

100 = national average

Typical Home:$1.09M

Bradley Beach, NJ

Population:4K

Cost Index:

139.7

100 = national average

Typical Home:$1.05M

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Monmouth Beach, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 3K residents.

Bradley Beach, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 4K residents.

Cost Breakdown by Category

Estimated monthly spending: Monmouth Beach, NJ vs Bradley Beach, 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	Monmouth Beach, NJ	Bradley Beach, NJ	Difference	Change
Housing	$3,917/mo	$3,833/mo	↓ $84.02less	2.1%
Other	$1,157/mo	$1,133/mo	↓ $24.83less	2.1%
Transportation	$912/mo	$892/mo	↓ $19.56less	2.1%
Groceries	$719/mo	$711/mo	↓ $7.75less	1.1%
Healthcare	$424/mo	$420/mo	↓ $4.58less	1.1%
All Utilities	$370/mo	$366/mo	↓ $3.99less	1.1%

Housing

↓ 2.1%

Monmouth Beach, NJ

$3,917

Bradley Beach, NJ

$3,833

Difference

$84.02

less

Other

↓ 2.1%

Monmouth Beach, NJ

$1,157

Bradley Beach, NJ

$1,133

Difference

$24.83

less

Transportation

↓ 2.1%

Monmouth Beach, NJ

$912

Bradley Beach, NJ

$892

Difference

$19.56

less

Groceries

↓ 1.1%

Monmouth Beach, NJ

$719

Bradley Beach, NJ

$711

Difference

$7.75

less

Healthcare

↓ 1.1%

Monmouth Beach, NJ

$424

Bradley Beach, NJ

$420

Difference

$4.58

less

All Utilities

↓ 1.1%

Monmouth Beach, NJ

$370

Bradley Beach, NJ

$366

Difference

$3.99

less

🏠Rent Comparison

Studio

From$2,100

To$1,650

↓ $450

1 Bed

From$2,370

To$1,860

↓ $510

2 Bed

From$2,920

To$2,290

↓ $630

3 Bed

From$3,820

To$2,990

↓ $830

Monmouth Beach, NJZIP-level data

1BR range: $2,370–$2,370/mo

Bradley Beach, NJZIP-level data

1BR range: $1,860–$1,860/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 Monmouth Beach, NJ

$7,355

Monthly in Bradley Beach, NJ

$145

Difference

Home Values

Monmouth Beach

Bradley Beach

$1.09M

Median Value

$1.05M

↑ +4.5%

YoY Change

↑ +5.6%

↑ +53.8%

5-Year Change

↑ +53.7%

Homes in Bradley Beach are 3% less expensive than Monmouth Beach

Calculate payment - Monmouth Beach Calculate payment - Bradley Beach

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

Monmouth Beach, 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

Bradley Beach, 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

Monmouth Beach, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Bradley Beach, 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

Monmouth Beach

Bradley Beach

43 Good

Air Quality

43 Good

65.8%

Good Air Days

65.8%

99 High

Climate Risk

99 High

🌊🌀🌡

Top Hazards

🌊🌀🌡

▲+2.7°F

2050 Outlook

▲+2.7°F

11 days

Heat Days >95°F

11 days

▲+2.7°F

2050 Outlook

▲+2.7°F

11 days

Heat Days >95°F

11 days

Before moving from Monmouth Beach, NJ to Bradley Beach, NJ

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

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

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

Frequently Asked Questions: Monmouth Beach, NJ vs Bradley Beach, NJ

How do the cost estimates for Monmouth Beach, NJ and Bradley Beach, NJ compare?

Bradley Beach, NJ has a modeled overall cost index 2.1% lower than Monmouth Beach, 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 Monmouth Beach, NJ, the model estimates $148,263 in Bradley Beach, 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 Monmouth Beach, NJ and Bradley Beach, NJ?

The modeled two-bedroom rents are $2,920/month in Monmouth Beach, NJ and $2,290/month in Bradley Beach, 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.