What is the cost of living in Spotswood, NJ?
According to the most recent data on the cost of living, Spotswood has an overall cost of living index of 120, which is 1.2x higher than the national index of 100.
Compared to New Jersey, Spotswood has a cost of living index that's 1.0x lower than New Jersey's index of 125.
The standard of living in Spotswood ranks as #61 most affordable out of the 262 places we measured in New Jersey. By definition, that implies Spotswood ranks as the #201 most expensive place in the Garden State.
For more reading on life in Spotswood, check out:
Spotswood Cost Of Living Vs. New Jersey
Six factors go into calculating the cost of living index in Spotswood. Here is how it fares on each of the criteria:
The Services index in Spotswood is 109.
The Groceries index in Spotswood is 106.
The Health index in Spotswood is 145.
The Housing index in Spotswood is 114.
The Transportation index in Spotswood is 108.
The Utilities index in Spotswood is 110.
| Living Expense | Spotswood | New Jersey | National Average |
|---|---|---|---|
| Overall | 120 | 125 | 100 |
| Services | 109 | 107 | 100 |
| Groceries | 106 | 113 | 100 |
| Health | 145 | 155 | 100 |
| Housing | 114 | 116 | 100 |
| Transportation | 108 | 112 | 100 |
| Utilities | 110 | 113 | 100 |
Spotswood 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 Spotswood Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Spotswood, 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 Spotswood is $563,664.
The Median Rent in Spotswood is $1,079.
The Median Income in Spotswood is $105,060.
The Home Value To Income in Spotswood is 5.4x.
The Rent To Monthly Income in Spotswood is 0.12x.
| Statistic | Spotswood | New Jersey | United States |
|---|---|---|---|
| Median Home Value | $563,664 | $569,411 | $332,700 |
| Median Rent | $1,079 | $1,720 | $1,413 |
| Median Income | $105,060 | $103,556 | $80,734 |
| Home Value To Income | 5.4x | 5.5x | 4.1x |
| Rent To Monthly Income | 0.12x | 0.2x | 0.21x |
Spotswood, NJ Costs By Category
Detailed Spotswood Services costs vs. New Jersey
| Item | Spotswood | 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 Spotswood Groceries costs vs. New Jersey
| Item | Spotswood | 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 Spotswood Health costs vs. New Jersey
| Item | Spotswood | New Jersey |
|---|---|---|
| Optometrist | $129.93 | $125.68 |
| Doctor | $124.1 | $135.78 |
| Dentist | $129.94 | $113.29 |
Detailed Spotswood Transportation costs vs. New Jersey
| Item | Spotswood | New Jersey |
|---|---|---|
| Gasoline | $3.41 | $3.46 |
| Tire Balancing | $72.38 | $59.92 |
Detailed Spotswood Utilities costs vs. New Jersey
| Item | Spotswood | New Jersey |
|---|---|---|
| All Electricity | $223.08 | $193.99 |
| Phone | $186.61 | $192.25 |
Spotswood SnackAbility
Cost Of Living In Cities Around Spotswood
The cost of living varies in the cities and towns around Spotswood. Here's a quick look at the cost of living in the most populous nearby places:
Sayreville, NJ has a cost of living index of 126, 1.1x Spotswood.
Westfield, NJ has a cost of living index of 182, 1.5x Spotswood.
Old Bridge, NJ has a cost of living index of 129, 1.1x Spotswood.
| City | Population | Cost Of Living | Vs. Spotswood |
|---|---|---|---|
| Sayreville, NJ | 45,838 | 126 | 1.1x |
| Westfield, NJ | 31,111 | 182 | 1.5x |
| Old Bridge, NJ | 28,236 | 129 | 1.1x |
| South River, NJ | 16,124 | 127 | 1.1x |
| Middlesex, NJ | 14,645 | 128 | 1.1x |
| Bradley Gardens, NJ | 14,165 | 152 | 1.3x |
| Mercerville, NJ | 13,535 | 122 | 1.0x |
| Hamilton Square, NJ | 11,622 | 127 | 1.1x |
| Martinsville, NJ | 11,559 | 166 | 1.4x |
| Madison Park, NJ | 9,124 | 126 | 1.1x |
