Sea Cliff, NY vs Monmouth Beach, NJ: Cost of Living

Which city costs less?

Sea Cliff, NY and Monmouth Beach, NJ have about the same overall cost index in our saved model.

Sea Cliff, NY · modeled 2BR rent: $2,860 / month
Monmouth Beach, NJ · modeled 2BR rent: $2,920 / 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

Adjust your income and compare the budget ↓

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Cost of Living Comparison 2026

Compare Sea Cliff, NY and Monmouth 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 Sea Cliff, NY

Numbers update automatically as you type

Sea Cliff, NY and Monmouth Beach, NJ have similar living costs

$150,000 in your current city has a modeled equivalent of $150,000 in Monmouth Beach, NJ

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

Overall Cost

→ 0.0%

Same cost

Monthly Impact

No change

Annual Impact

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.

Sea Cliff, NY

Population:5K

Cost Index:

142.8

100 = national average

Typical Home:$1.07M

Monmouth Beach, NJ

Population:3K

Cost Index:

142.8

100 = national average

Typical Home:$1.09M

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Sea Cliff, NY

The Empire State

Population

State Tax

Yes

Located in New York, this city has a population of 5K residents.

Monmouth Beach, 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: Sea Cliff, NY vs Monmouth 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	Sea Cliff, NY	Monmouth Beach, NJ	Difference	Change
Housing	$3,917/mo	$3,917/mo	→ $0	0.0%
Groceries	$719/mo	$719/mo	→ $0	0.0%
Transportation	$912/mo	$912/mo	→ $0	0.0%
All Utilities	$370/mo	$370/mo	→ $0	0.0%
Healthcare	$424/mo	$424/mo	→ $0	0.0%
Other	$1,157/mo	$1,157/mo	→ $0	0.0%

Housing

→ 0.0%

Sea Cliff, NY

$3,917

Monmouth Beach, NJ

$3,917

Difference

same

Groceries

→ 0.0%

Sea Cliff, NY

$719

Monmouth Beach, NJ

$719

Difference

same

Transportation

→ 0.0%

Sea Cliff, NY

$912

Monmouth Beach, NJ

$912

Difference

same

All Utilities

→ 0.0%

Sea Cliff, NY

$370

Monmouth Beach, NJ

$370

Difference

same

Healthcare

→ 0.0%

Sea Cliff, NY

$424

Monmouth Beach, NJ

$424

Difference

same

Other

→ 0.0%

Sea Cliff, NY

$1,157

Monmouth Beach, NJ

$1,157

Difference

same

🏠Rent Comparison

Studio

From$2,070

To$2,100

↑ $30.00

1 Bed

From$2,480

To$2,370

↓ $110

2 Bed

From$2,860

To$2,920

↑ $60.00

3 Bed

From$3,710

To$3,820

↑ $110

Sea Cliff, NYZIP-level data

1BR range: $2,480–$2,480/mo

Monmouth Beach, NJZIP-level data

1BR range: $2,370–$2,370/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 Sea Cliff, NY

$7,500

Monthly in Monmouth Beach, NJ

Difference

Home Values

Sea Cliff

Monmouth Beach

$1.07M

Median Value

$1.09M

↑ +8.2%

YoY Change

↑ +4.5%

↑ +41.3%

5-Year Change

↑ +53.8%

Homes in Monmouth Beach are 2% more expensive than Sea Cliff

Calculate payment - Sea Cliff Calculate payment - Monmouth Beach

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.1K

Per year

Monthly Difference

$176

More take-home

Effective Rate Diff

1.4%

Rate difference

Sea Cliff, 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

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

Additional Tax Information

Sea Cliff, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Monmouth 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

Sea Cliff

Monmouth 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 Sea Cliff, NY to Monmouth 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 Monmouth Beach, NJ for the same bedroom count and included utilities as your home in Sea Cliff, NY. 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 Sea Cliff to Monmouth Beach moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Sea Cliff, NY vs Monmouth Beach, NJ

How do the cost estimates for Sea Cliff, NY and Monmouth Beach, NJ compare?

Sea Cliff, NY and Monmouth Beach, NJ have about the same overall cost index in our saved model. 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 Sea Cliff, NY, the model estimates $150,000 in Monmouth 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 Sea Cliff, NY and Monmouth Beach, NJ?

The modeled two-bedroom rents are $2,860/month in Sea Cliff, NY and $2,920/month in Monmouth 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.

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