Pine Beach, NJ vs Swedesboro, NJ: Cost of Living

Which city costs less?

Swedesboro, NJ has a modeled overall cost index 2.1% lower than Pine Beach, NJ.

Pine Beach, NJ · modeled 2BR rent: $2,320 / month
Swedesboro, NJ · 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 Pine Beach, NJ and Swedesboro, 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 Pine Beach, NJ

Numbers update automatically as you type

Estimated savings: $135/month in Swedesboro, NJ

$150,000 in your current city has a modeled equivalent of $148,380 in Swedesboro, NJ

Regional cost estimates: Pine Beach, NJ uses Philadelphia, PA. Swedesboro, NJ uses Philadelphia, PA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 2.1%

Less expensive

Monthly Impact

$135

Savings

Annual Impact

$1.6K

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.

Pine Beach, NJ

Population:2K

Cost Index:

89.1

100 = national average

Typical Home:$546K

Swedesboro, NJ

Population:3K

Cost Index:

87.2

100 = national average

Typical Home:$464K

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Pine Beach, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 2K residents.

Swedesboro, NJ

The Garden State

Population

State Tax

Yes

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

Cost Breakdown by Category

Estimated monthly spending: Pine Beach, NJ vs Swedesboro, 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	Pine Beach, NJ	Swedesboro, NJ	Difference	Change
Housing	$2,015/mo	$1,972/mo	↓ $43.11less	2.1%
Other	$1,718/mo	$1,681/mo	↓ $36.75less	2.1%
Transportation	$1,375/mo	$1,346/mo	↓ $29.42less	2.1%
Groceries	$1,139/mo	$1,127/mo	↓ $12.25less	1.1%
Healthcare	$626/mo	$620/mo	↓ $6.74less	1.1%
All Utilities	$626/mo	$619/mo	↓ $6.73less	1.1%

Housing

↓ 2.1%

Pine Beach, NJ

$2,015

Swedesboro, NJ

$1,972

Difference

$43.11

less

Other

↓ 2.1%

Pine Beach, NJ

$1,718

Swedesboro, NJ

$1,681

Difference

$36.75

less

Transportation

↓ 2.1%

Pine Beach, NJ

$1,375

Swedesboro, NJ

$1,346

Difference

$29.42

less

Groceries

↓ 1.1%

Pine Beach, NJ

$1,139

Swedesboro, NJ

$1,127

Difference

$12.25

less

Healthcare

↓ 1.1%

Pine Beach, NJ

$626

Swedesboro, NJ

$620

Difference

$6.74

less

All Utilities

↓ 1.1%

Pine Beach, NJ

$626

Swedesboro, NJ

$619

Difference

$6.73

less

🏠Rent Comparison

Studio

From$1,670

To$1,840

↑ $170

1 Bed

From$1,890

To$2,000

↑ $110

2 Bed

From$2,320

To$2,380

↑ $60.00

3 Bed

From$3,040

To$2,850

↓ $190

Pine Beach, NJZIP-level data

1BR range: $1,890–$1,890/mo

Swedesboro, NJZIP-level data

1BR range: $2,000–$2,000/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 Pine Beach, NJ

$7,365

Monthly in Swedesboro, NJ

$135

Difference

Home Values

Pine Beach

Swedesboro

$546K

Median Value

$464K

↑ +3.1%

YoY Change

↑ +3.7%

↑ +61.1%

5-Year Change

↑ +43.9%

Homes in Swedesboro are 15% less expensive than Pine Beach

Calculate payment - Pine Beach Calculate payment - Swedesboro

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

Pine 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

Swedesboro, 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

Pine Beach, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Swedesboro, 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

Pine Beach

Swedesboro

52 Moderate

Air Quality

52 Moderate

47.3%

Good Air Days

47.3%

100 Very High

Climate Risk

100 Very High

🌊🌅🌀

Top Hazards

🌊🌅🌀

▲+2.9°F

2050 Outlook

▲+2.9°F

22 days

Heat Days >95°F

22 days

▲+2.9°F

2050 Outlook

▲+2.9°F

22 days

Heat Days >95°F

22 days

Before moving from Pine Beach, NJ to Swedesboro, NJ

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

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

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

Frequently Asked Questions: Pine Beach, NJ vs Swedesboro, NJ

How do the cost estimates for Pine Beach, NJ and Swedesboro, NJ compare?

Swedesboro, NJ has a modeled overall cost index 2.1% lower than Pine 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 Pine Beach, NJ, the model estimates $148,380 in Swedesboro, 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 Pine Beach, NJ and Swedesboro, NJ?

The modeled two-bedroom rents are $2,320/month in Pine Beach, NJ and $2,380/month in Swedesboro, 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.

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