Median one-bedroom rent across the cities we track is $978 in New Jersey versus $1,100 in Pennsylvania. Overall, New Jersey runs roughly 11% cheaper on rent than Pennsylvania, its main day-to-day cost driver.
Median household income across tracked cities is $48,416 in New Jersey and $60,698 in Pennsylvania — about 20% higher in Pennsylvania. New Jersey has a top state income tax rate of 10.75% and a 6.625% state sales tax; Pennsylvania has a top state income tax rate of 3.07% and a 6% state sales tax.
State Taxes
Housing (median across tracked cities)
Income (median across tracked cities)
Climate (median across tracked cities)
New Jersey vs Pennsylvania — FAQ
- Is it cheaper to live in New Jersey or Pennsylvania?
- New Jersey is cheaper on rent — its median one-bedroom of $978 runs about 11% below Pennsylvania's $1,100, based on the cities we track in each state.
- How much more do you need to earn to live in New Jersey than in Pennsylvania?
- To keep rent near the recommended 30% of gross income, based on median rent across tracked cities, you'd want to earn roughly $39,000 a year in New Jersey versus $44,000 in Pennsylvania.
- Which has lower taxes, New Jersey or Pennsylvania?
- New Jersey has a top state income tax rate of 10.75% and a 6.625% state sales tax. Pennsylvania has a top state income tax rate of 3.07% and a 6% state sales tax.
Housing, income, and climate are medians across the 1/3 cities we track in New Jersey/Pennsylvania — not population-weighted statewide figures. Taxes are exact state-level rates. Sources: US Census Bureau, ACS 5-Year; NOAA Climate Normals 1981–2010; Tax Foundation 2026.