Waterford, NY vs Estell Manor, NJ: Cost of Living

Which city costs less?

Estell Manor, NJ has a modeled overall cost index 1.1% higher than Waterford, NY.

Waterford, NY · modeled 2BR rent
$1,630 / month
Estell Manor, NJ · modeled 2BR rent
$1,660 / 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 Waterford, NY and Estell Manor, 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

$
Numbers update automatically as you type

Estimated savings: $106/month in Estell Manor, NJ

$150,000 in your current city has a modeled equivalent of $148,732 in Estell Manor, NJ

Regional cost estimates: Waterford, NY uses Boston, MA. Estell Manor, NJ uses Philadelphia, PA. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 1.1%
More expensive
Monthly Impact
$106
Savings
Annual Impact
$1.3K
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.

Waterford, NY

Population:2K
Cost Index:
84.6
100 = national average
Typical Home:$365K

Estell Manor, NJ

Population:2K
Cost Index:
85.5
100 = national average
Typical Home:$362K

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Waterford, NY

The Empire State

2K
Population
State Tax
Yes

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

Estell Manor, NJ

The Garden State

2K
Population
State Tax
Yes

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

Cost Breakdown by Category

Estimated monthly spending: Waterford, NY vs Estell Manor, 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.

Housing
↓ 34.7%
Waterford, NY
$3,025
Estell Manor, NJ
$1,974
Difference
$1,051
less
Other
↑ 44.7%
Waterford, NY
$1,163
Estell Manor, NJ
$1,683
Difference
$520
more
Groceries
↑ 24.8%
Waterford, NY
$912
Estell Manor, NJ
$1,139
Difference
$226
more
Transportation
↑ 15.5%
Waterford, NY
$1,166
Estell Manor, NJ
$1,347
Difference
$181
more
All Utilities
↑ 3.4%
Waterford, NY
$605
Estell Manor, NJ
$626
Difference
$20.40
more
Healthcare
↓ 0.4%
Waterford, NY
$629
Estell Manor, NJ
$626
Difference
$2.32
less

🏠Rent Comparison

Studio
From$1,170
To$1,220
↑ $50.00
1 Bed
From$1,360
To$1,320
↓ $40.00
2 Bed
From$1,630
To$1,660
↑ $30.00
3 Bed
From$1,950
To$2,260
↑ $310
Waterford, NYZIP-level data

1BR range: $1,360–$1,360/mo

Estell Manor, NJZIP-level data

1BR range: $1,320–$1,320/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 Waterford, NY
$7,394
Monthly in Estell Manor, NJ
$106
Difference

Home Values

Waterford
Estell Manor
$365K
Median Value
$362K
↑ +2.9%
YoY Change
↑ +4.1%
↑ +32.2%
5-Year Change
↑ +53.1%

Homes in Estell Manor are 1% less expensive than Waterford

Calculate payment - WaterfordCalculate payment - Estell Manor

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

Waterford, 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

Estell Manor, 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

Waterford, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

Estell Manor, 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

Waterford
Estell Manor
36 Good
Air Quality
52 Moderate
79.5%
Good Air Days
47.3%
94 Moderate
Climate Risk
100 Very High
🌊🌅🌀
Top Hazards
🌊🌅🌀
▲+2.5°F
2050 Outlook
▲+2.9°F
6 days
Heat Days >95°F
22 days
▲+2.5°F
2050 Outlook
▲+2.9°F
6 days
Heat Days >95°F
22 days

Before moving from Waterford, NY to Estell Manor, NJ

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

  1. Compare actual homes. Get current quotes in Estell Manor, NJ for the same bedroom count and included utilities as your home in Waterford, NY. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Waterford to Estell Manor moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Waterford, NY vs Estell Manor, NJ

How do the cost estimates for Waterford, NY and Estell Manor, NJ compare?

Estell Manor, NJ has a modeled overall cost index 1.1% higher than Waterford, NY. 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 Waterford, NY, the model estimates $148,732 in Estell Manor, 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 Waterford, NY and Estell Manor, NJ?

The modeled two-bedroom rents are $1,630/month in Waterford, NY and $1,660/month in Estell Manor, 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

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