Is Jersey City, NJ cheaper than Yonkers, NY?

Based on cost of living data, Jersey City, NJ is 34.4% more expensive than Yonkers, NY. This translates to spending an extra $2580 per month.

What salary do I need in Jersey City, NJ to live like I do in Yonkers, NY?

If you earn $150,000 in Yonkers, NY, you'd need approximately $180,960 in Jersey City, NJ to maintain the same standard of living.

How does housing cost compare between Yonkers, NY and Jersey City, NJ?

Housing in Jersey City, NJ is 105.8% more expensive than in Yonkers, NY. For a two-bedroom apartment, rent is $2,625/month in Jersey City, NJ compared to $2,860/month in Yonkers, NY.

How much can I save per month by moving from Yonkers, NY to Jersey City, NJ?

Living in Jersey City, NJ costs approximately $2580 more per month than Yonkers, NY, or $30960 more per year, based on a $150,000 salary.

Yonkers, NY vs Jersey City, NJ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Yonkers, NY

Numbers update automatically as you type

You'd spend $2.6K/month more in Jersey City, NJ

$150.0K in your current city equals $181.0K in Jersey City, NJ

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↑ 34.4%

More expensive

Monthly Impact

$2,580

Extra cost

Annual Impact

$31.0K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Yonkers, NY

Population:208K

Cost Index:

100

100 = national average

Median Home:$648K

Jersey City, NJ

Population:292K

Cost Index:

134

(34% above avg)

Median Home:$637K

Yonkers, NY

The Empire State

208K

Population

State Tax

Yes

Located in New York, this city has a population of 208K residents.

Jersey City, NJ

The Garden State

292K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 292K residents.

Cost Breakdown by Category

Annual spending: Yonkers, NY vs Jersey City, NJ

Category	Yonkers, NY	Jersey City, NJ	Difference	Change
Housing	$3,716/mo	$7,648/mo	↑ $3,932more	105.8%
Groceries	$1,099/mo	$1,165/mo	↑ $65.95more	6.0%
Other	$2,026/mo	$2,034/mo	↑ $8.37more	0.4%
All Utilities	$596/mo	$600/mo	↑ $4.37more	0.7%
Transportation	$1,598/mo	$1,602/mo	↑ $4.10more	0.3%
Healthcare	$688/mo	$688/mo	→ $0	0.0%

Housing

↑ 105.8%

Yonkers, NY

$3,716

Jersey City, NJ

$7,648

Difference

$3,932

Groceries

↑ 6.0%

Yonkers, NY

$1,099

Jersey City, NJ

$1,165

Difference

$65.95

Other

↑ 0.4%

Yonkers, NY

$2,026

Jersey City, NJ

$2,034

Difference

$8.37

All Utilities

↑ 0.7%

Yonkers, NY

$596

Jersey City, NJ

$600

Difference

$4.37

Transportation

↑ 0.3%

Yonkers, NY

$1,598

Jersey City, NJ

$1,602

Difference

$4.10

Healthcare

→ 0.0%

Yonkers, NY

$688

Jersey City, NJ

$688

Difference

same

🏛️ Local Income Taxes

Yonkers, NY: Yonkers Surcharge (16.75% of state tax)$2,939/yr (2.0%)

Jersey City, NJ has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$2,490

To$2,285

↓ $205

1 Bed

From$2,610

To$2,335

↓ $275

2 Bed

From$2,860

To$2,625

↓ $235

3 Bed

From$3,580

To$3,195

↓ $385

Yonkers, NYZIP-level data

1BR range: $2,400–$2,710/mo

Jersey City, NJZIP-level data

1BR range: $2,080–$3,680/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$9,722

Monthly in Yonkers, NY

$13,737

Monthly in Jersey City, NJ

$4,015

Difference

Home Values

Yonkers

Jersey City

$648K

Median Value

$637K

↑ +4.6%

YoY Change

↓ -0.8%

↑ +30.3%

5-Year Change

↑ +14.6%

$598K - $729K

Price Range

$525K - $1.16M

Homes in Jersey City are 2% less expensive than Yonkers

Calculate payment - Yonkers Calculate payment - Jersey City

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

Yonkers, 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

Jersey City, 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

Yonkers, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Jersey City, 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.