Saco, ME vs South River, NJ: Cost of Living

Which city costs less?

South River, NJ has a modeled overall cost index 7.8% lower than Saco, ME.

Saco, ME · modeled 2BR rent: $1,960 / month
South River, NJ · modeled 2BR rent: $2,230 / 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 Saco, ME and South River, 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 Saco, ME

Numbers update automatically as you type

Estimated savings: $679/month in South River, NJ

$150,000 in your current city has a modeled equivalent of $141,856 in South River, NJ

Regional cost estimates: Saco, ME uses Boston, MA. South River, NJ uses Newark, NJ. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 7.8%

Less expensive

Monthly Impact

$679

Savings

Annual Impact

$8.1K

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.

Saco, ME

Population:21K

Cost Index:

109.5

100 = national average

Typical Home:$506K

South River, NJ

Population:16K

Cost Index:

101.0

100 = national average

Typical Home:$520K

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Saco, ME

The Pine Tree State

21K

Population

State Tax

Yes

Located in Maine, this city has a population of 21K residents.

South River, NJ

The Garden State

16K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 16K residents.

Cost Breakdown by Category

Estimated monthly spending: Saco, ME vs South River, 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	Saco, ME	South River, NJ	Difference	Change
Housing	$3,134/mo	$1,709/mo	↓ $1,425less	45.5%
Other	$1,204/mo	$1,701/mo	↑ $497more	41.3%
Transportation	$1,208/mo	$1,342/mo	↑ $134more	11.1%
Groceries	$831/mo	$954/mo	↑ $124more	14.9%
All Utilities	$551/mo	$517/mo	↓ $33.82less	6.1%
Healthcare	$572/mo	$597/mo	↑ $24.88more	4.3%

Housing

↓ 45.5%

Saco, ME

$3,134

South River, NJ

$1,709

Difference

$1,425

less

Other

↑ 41.3%

Saco, ME

$1,204

South River, NJ

$1,701

Difference

$497

Transportation

↑ 11.1%

Saco, ME

$1,208

South River, NJ

$1,342

Difference

$134

Groceries

↑ 14.9%

Saco, ME

$831

South River, NJ

$954

Difference

$124

All Utilities

↓ 6.1%

Saco, ME

$551

South River, NJ

$517

Difference

$33.82

less

Healthcare

↑ 4.3%

Saco, ME

$572

South River, NJ

$597

Difference

$24.88

🏠Rent Comparison

Studio

From$1,460

To$1,620

↑ $160

1 Bed

From$1,610

To$1,770

↑ $160

2 Bed

From$1,960

To$2,230

↑ $270

3 Bed

From$2,620

To$2,670

↑ $50.00

Saco, MEZIP-level data

1BR range: $1,610–$1,610/mo

South River, NJZIP-level data

1BR range: $1,770–$1,770/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 Saco, ME

$6,821

Monthly in South River, NJ

$679

Difference

Home Values

Saco

South River

$506K

Median Value

$520K

↑ +1.9%

YoY Change

↑ +2.1%

↑ +44.8%

5-Year Change

↑ +43.3%

Homes in South River are 3% more expensive than Saco

Calculate payment - Saco Calculate payment - South River

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.9K

Per year

Monthly Difference

$238

More take-home

Effective Rate Diff

1.9%

Rate difference

Saco, ME

Federal Income Tax

Effective: 18.9%

$25.5K

Maine State Tax

Effective: 6.9%

$10.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.5%

$47.3K

Take-Home Pay

$8,558/month

$102.7K

South River, 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

Saco, ME Tax Rates

Sales Tax:5.5%

Property Tax:1.3%

South River, 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

Saco

South River

36 Good

Air Quality

N/A

79.5%

Good Air Days

94 Moderate

Climate Risk

98 High

🌊🌅🌀

Top Hazards

🌊🌡🌪

▲+2.5°F

2050 Outlook

▲+2.9°F

6 days

Heat Days >95°F

15 days

▲+2.5°F

2050 Outlook

▲+2.9°F

6 days

Heat Days >95°F

15 days

Before moving from Saco, ME to South River, NJ

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

Compare actual homes. Get current quotes in South River, NJ for the same bedroom count and included utilities as your home in Saco, ME. 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 Saco to South River moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Saco, ME vs South River, NJ

How do the cost estimates for Saco, ME and South River, NJ compare?

South River, NJ has a modeled overall cost index 7.8% lower than Saco, ME. 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 Saco, ME, the model estimates $141,856 in South River, 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 Saco, ME and South River, NJ?

The modeled two-bedroom rents are $1,960/month in Saco, ME and $2,230/month in South River, 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.

💰 See how taxes change too — compare take-home pay between Maine and New Jersey on TaxTakeHome.com