What is the cost of living in Somerville, NJ?
According to the most recent data on the cost of living, Somerville has an overall cost of living index of 131, which is 1.3x higher than the national index of 100.
Compared to New Jersey, Somerville has a cost of living index that's 1.0x higher than New Jersey's index of 125.
The standard of living in Somerville ranks as #120 most affordable out of the 262 places we measured in New Jersey. By definition, that implies Somerville ranks as the #142 most expensive place in the Garden State.
For more reading on life in Somerville, check out:
Somerville Cost Of Living Vs. New Jersey
Six factors go into calculating the cost of living index in Somerville. Here is how it fares on each of the criteria:
The Services index in Somerville is 110.
The Groceries index in Somerville is 116.
The Health index in Somerville is 177.
The Housing index in Somerville is 113.
The Transportation index in Somerville is 115.
The Utilities index in Somerville is 114.
| Living Expense | Somerville | New Jersey | National Average |
|---|---|---|---|
| Overall | 131 | 125 | 100 |
| Services | 110 | 107 | 100 |
| Groceries | 116 | 113 | 100 |
| Health | 177 | 155 | 100 |
| Housing | 113 | 116 | 100 |
| Transportation | 115 | 112 | 100 |
| Utilities | 114 | 113 | 100 |
Somerville Cost Of Living Compared To New Jersey Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around New Jersey, check out:
Protect your home budget Compare home warranties in Somerville Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Somerville, NJ Housing Cost Breakdown
Housing swings affordability the most between places in New Jersey, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Somerville is $542,519.
The Median Rent in Somerville is $1,802.
The Median Income in Somerville is $103,760.
The Home Value To Income in Somerville is 5.2x.
The Rent To Monthly Income in Somerville is 0.21x.
| Statistic | Somerville | New Jersey | United States |
|---|---|---|---|
| Median Home Value | $542,519 | $569,411 | $332,700 |
| Median Rent | $1,802 | $1,720 | $1,413 |
| Median Income | $103,760 | $103,556 | $80,734 |
| Home Value To Income | 5.2x | 5.5x | 4.1x |
| Rent To Monthly Income | 0.21x | 0.2x | 0.21x |
Somerville, NJ Costs By Category
Detailed Somerville Services costs vs. New Jersey
| Item | Somerville | New Jersey |
|---|---|---|
| Shampoo | $1.53 | $1.28 |
| Movie | $14.53 | $12.13 |
| Bowling | $20.98 | $18 |
| Haircut | $30.25 | $24.26 |
| Beauty Salon | $53.0 | $45.56 |
Detailed Somerville Groceries costs vs. New Jersey
| Item | Somerville | New Jersey |
|---|---|---|
| Ground Beef | $6.13 | $5.84 |
| Fried Chicken | $1.41 | $1.57 |
| Milk | $4.7 | $4.67 |
| Potatoes | $5.32 | $4.93 |
| Pizza | $12.59 | $12.09 |
| Beer | $11.12 | $10.41 |
| Toothpaste | $3.75 | $3.7 |
Detailed Somerville Health costs vs. New Jersey
| Item | Somerville | New Jersey |
|---|---|---|
| Optometrist | $129.93 | $125.68 |
| Doctor | $124.1 | $135.78 |
| Dentist | $129.94 | $113.29 |
Detailed Somerville Transportation costs vs. New Jersey
| Item | Somerville | New Jersey |
|---|---|---|
| Gasoline | $3.41 | $3.46 |
| Tire Balancing | $72.38 | $59.92 |
Detailed Somerville Utilities costs vs. New Jersey
| Item | Somerville | New Jersey |
|---|---|---|
| All Electricity | $223.08 | $193.99 |
| Phone | $186.61 | $192.25 |
Somerville SnackAbility
Cost Of Living In Cities Around Somerville
The cost of living varies in the cities and towns around Somerville. Here's a quick look at the cost of living in the most populous nearby places:
Westfield, NJ has a cost of living index of 182, 1.4x Somerville.
Middlesex, NJ has a cost of living index of 128, 1.0x Somerville.
Bradley Gardens, NJ has a cost of living index of 152, 1.2x Somerville.
| City | Population | Cost Of Living | Vs. Somerville |
|---|---|---|---|
| Westfield, NJ | 31,111 | 182 | 1.4x |
| Middlesex, NJ | 14,645 | 128 | 1.0x |
| Bradley Gardens, NJ | 14,165 | 152 | 1.2x |
| Florham Park, NJ | 13,564 | 174 | 1.3x |
| Bound Brook, NJ | 12,219 | 125 | 1.0x |
| Martinsville, NJ | 11,559 | 166 | 1.3x |
| Manville, NJ | 10,921 | 124 | 0.9x |
| Succasunna, NJ | 9,799 | 141 | 1.1x |
| Raritan, NJ | 8,368 | 138 | 1.1x |
| Bernardsville, NJ | 7,916 | 173 | 1.3x |
