What is the cost of living in Upper Saddle River, NJ?
According to the most recent data on the cost of living, Upper Saddle River has an overall cost of living index of 213, which is 2.1x higher than the national index of 100.
Compared to New Jersey, Upper Saddle River has a cost of living index that's 1.7x higher than New Jersey's index of 125.
The standard of living in Upper Saddle River ranks as #258 most affordable out of the 262 places we measured in New Jersey. By definition, that implies Upper Saddle River ranks as the #4 most expensive place in the Garden State.
For more reading on life in Upper Saddle River, check out:
Upper Saddle River Cost Of Living Vs. New Jersey
Six factors go into calculating the cost of living index in Upper Saddle River. Here is how it fares on each of the criteria:
The Services index in Upper Saddle River is 107.
The Groceries index in Upper Saddle River is 113.
The Health index in Upper Saddle River is 450.
The Housing index in Upper Saddle River is 108.
The Transportation index in Upper Saddle River is 112.
The Utilities index in Upper Saddle River is 105.
| Living Expense | Upper Saddle River | New Jersey | National Average |
|---|---|---|---|
| Overall | 213 | 125 | 100 |
| Services | 107 | 107 | 100 |
| Groceries | 113 | 113 | 100 |
| Health | 450 | 155 | 100 |
| Housing | 108 | 116 | 100 |
| Transportation | 112 | 112 | 100 |
| Utilities | 105 | 113 | 100 |
Upper Saddle River 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 Upper Saddle River Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Upper Saddle River, 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 Upper Saddle River is $1,412,975.
The Median Rent in Upper Saddle River is $3,501.
The Median Income in Upper Saddle River is $250,001.
The Home Value To Income in Upper Saddle River is 5.7x.
The Rent To Monthly Income in Upper Saddle River is 0.17x.
| Statistic | Upper Saddle River | New Jersey | United States |
|---|---|---|---|
| Median Home Value | $1,412,975 | $569,411 | $332,700 |
| Median Rent | $3,501 | $1,720 | $1,413 |
| Median Income | $250,001 | $103,556 | $80,734 |
| Home Value To Income | 5.7x | 5.5x | 4.1x |
| Rent To Monthly Income | 0.17x | 0.2x | 0.21x |
Upper Saddle River, NJ Costs By Category
Detailed Upper Saddle River Services costs vs. New Jersey
| Item | Upper Saddle River | New Jersey |
|---|---|---|
| Shampoo | $1.48 | $1.28 |
| Movie | $15.78 | $12.13 |
| Bowling | $21.0 | $18 |
| Haircut | $25.62 | $24.26 |
| Beauty Salon | $41.67 | $45.56 |
Detailed Upper Saddle River Groceries costs vs. New Jersey
| Item | Upper Saddle River | New Jersey |
|---|---|---|
| Ground Beef | $5.65 | $5.84 |
| Fried Chicken | $1.39 | $1.57 |
| Milk | $4.71 | $4.67 |
| Potatoes | $5.37 | $4.93 |
| Pizza | $11.49 | $12.09 |
| Beer | $11.33 | $10.41 |
| Toothpaste | $3.72 | $3.7 |
Detailed Upper Saddle River Health costs vs. New Jersey
| Item | Upper Saddle River | New Jersey |
|---|---|---|
| Optometrist | $157.11 | $125.68 |
| Doctor | $115.59 | $135.78 |
| Dentist | $124.27 | $113.29 |
Detailed Upper Saddle River Transportation costs vs. New Jersey
| Item | Upper Saddle River | New Jersey |
|---|---|---|
| Gasoline | $3.41 | $3.46 |
| Tire Balancing | $82.67 | $59.92 |
Detailed Upper Saddle River Utilities costs vs. New Jersey
| Item | Upper Saddle River | New Jersey |
|---|---|---|
| All Electricity | $236.04 | $193.99 |
| Phone | $186.61 | $192.25 |
Upper Saddle River SnackAbility
Cost Of Living In Cities Around Upper Saddle River
The cost of living varies in the cities and towns around Upper Saddle River. Here's a quick look at the cost of living in the most populous nearby places:
Monsey, NY has a cost of living index of 167, 0.8x Upper Saddle River.
Eastchester, NY has a cost of living index of 168, 0.8x Upper Saddle River.
Scarsdale, NY has a cost of living index of 280, 1.3x Upper Saddle River.
| City | Population | Cost Of Living | Vs. Upper Saddle River |
|---|---|---|---|
| Monsey, NY | 28,160 | 167 | 0.8x |
| Eastchester, NY | 20,491 | 168 | 0.8x |
| Scarsdale, NY | 18,010 | 280 | 1.3x |
| Ramsey, NJ | 14,805 | 163 | 0.8x |
| Chestnut Ridge, NY | 10,557 | 153 | 0.7x |
| Airmont, NY | 10,205 | 158 | 0.7x |
| Waldwick, NJ | 10,164 | 145 | 0.7x |
| Park Ridge, NJ | 9,406 | 163 | 0.8x |
| Montvale, NJ | 8,901 | 164 | 0.8x |
| Briarcliff Manor, NY | 7,519 | 178 | 0.8x |
