10 Things You Should Know Before Moving to New Jersey

10 Things to Know Before Moving to New Jersey 

New Jersey is known for its scenic shoreline, urban access, and thriving job market. But it’s also one of the most expensive states to live in. From high housing costs and property taxes to a dense population and strong career prospects, this guide will give you a realistic look at what moving to the Garden State is like. 

The state has something to offer everyone, from bustling cities and quaint suburbs to peaceful shore towns. Whether you are a young professional, a growing family, or a retiree, you will find that New Jersey presents a wide range of lifestyle options. 

What You’ll Learn

In this guide, you'll find practical information and recent data about New Jersey:

• Cost of living and housing

• Healthcare, education, and public services

• Job market and commuting trends

Overview

New Jersey offers proximity to major East Coast cities, diverse communities, and a mix of urban and suburban living. The state balances economic opportunities with high living costs, making it ideal for professionals and families seeking access to metropolitan areas like New York City and Philadelphia. The key considerations are housing affordability, tax burdens, and regional job market disparities.

Here’s a More Detailed Breakdown:

Cost of Living & Housing

New Jersey’s cost of living is 11% higher than the national average, driven by housing costs 30% above U.S. norms. The median home price reached $548,338 in March 2025, up 6.5% year-over-year, with cities like Jersey City ($632,704) and Hoboken ($715,000) commanding premium prices. Rent averages $2,300 monthly, though coastal towns like Deal ($5.5M median home price) and rural areas like Vineland (1% below the national average) show stark contrasts. Utilities cost 10% more than the national average, while groceries and healthcare align closely with U.S. norms.

Job Market & Economy

The unemployment rate rose to 4.7% in March 2025, exceeding the national average. The state lost 2,700 jobs that month, with declines in leisure/hospitality (-3,600) and construction (-1,200). Growth sectors include healthcare (+2,700 jobs) and education, anchored by employers like Merck and Johnson & Johnson. Manufacturing remains vital, contributing 8.8% to the state’s GDP, though employment in this sector fell by 600 positions.

Major Cities & Communities

Jersey City ($632,704 median home value) and Newark (16% above the national cost of living) are urban hubs with robust job markets. Camden offers affordability (median home price: $164,950) but faces economic challenges. Suburbs like Princeton and Montclair attract families with top-rated schools, while coastal towns like Asbury Park blend recreation with rising housing costs. New Jersey car shipping can simplify getting your vehicle into these busy, high-demand regions for newcomers moving from out of state.

Education & Healthcare

New Jersey ranks among the top states for public education, with high school graduation rates exceeding 90%. Universities like Princeton and Rutgers drive innovation, particularly in biotechnology. Healthcare access is strong in urban centers, with networks like Hackensack Meridian Health, though rural areas experience provider shortages.

Climate & Environment

The state has a humid subtropical climate, with summer highs averaging 85°F and winter lows near 25°F. Coastal regions face nor’easters and flooding risks, while inland areas contend with heavy snowfall. Environmental initiatives aim to mitigate rising temperatures, which have increased 1.6°F since 1900.

Culture & Recreation

Residents enjoy diverse cultural attractions, from the Jersey Shore’s boardwalks to Princeton’s historic sites. Annual events like the New Jersey State Fair and outdoor activities in the Delaware Water Gap highlight the state’s recreational appeal. The food scene thrives on diners, seafood, and multicultural cuisine.

Other Notable Considerations

• Taxes: No sales tax on groceries or clothing exists, but property taxes average 2.47% (the highest nationally). Income tax rates range from 1.4% to 10.75%.

• Transportation: Major highways (I-95, Turnpike) and NJ Transit connect urban centers, though rural areas rely on personal vehicles.

• Population Trends: Northern NJ grows steadily due to NYC proximity, while southern counties face slower growth.

• Housing Shortages: Rental vacancy rates hit 0.6%, with demand outpacing supply in urban areas.

Why Are People Moving to New Jersey?

Many move to New Jersey to gain career access to the East Coast without living directly in significant cities. It offers:

• Diverse and inclusive communities

• High-ranking public schools and universities

• Proximity to the NYC and Philadelphia job markets

• Reliable public transit in urban corridors

10 Essential Considerations for Moving to New Jersey

1. Cost of Living in New Jersey

New Jersey’s cost of living is around 11% above the national average. Housing and property taxes are the most significant expenses, followed by transportation and utilities. Despite the high costs, many residents find the state’s access to major job markets and amenities worth the expense. 

Typical expenses include:

• Groceries and healthcare close to national averages

• Median home price of $548,338 as of March 2025

• Property taxes average 2.47%, the highest in the country

Budgeting carefully for housing and recurring expenses is essential for long-term stability. If you’re relocating by car, it’s also helpful to understand what affects car shipping rates as part of your move planning.

2. Education in New Jersey

The state consistently ranks in the top tier nationally for public education. Suburbs like Montclair and Princeton have top-rated school districts. Higher education includes prestigious schools like Rutgers and Princeton University. Education is often a significant factor in deciding where to live. Families tend to gravitate toward towns with top-performing school districts and safe neighborhoods.

Expect:

• Graduation rates above 90% in many areas

• Investment in vocational and STEM programs

• Strong public school funding and teacher support

3. Housing Realities in New Jersey

The housing market is highly competitive in urban and coastal areas. Prices and availability vary by location, especially between the state's northern, central, and southern parts. Homebuyers should assess their commute, school proximity, and long-term investment goals before choosing a location.

Housing trends include:

• High prices in cities like Jersey City and Hoboken

• Rentals averaging $2,000 to $3,000 per month

• Growing demand in suburbs such as Princeton and Montclair

4. Climate and Weather in New Jersey

New Jersey experiences four seasons: summers are hot and humid, winters are cold and snowy, and nor'easters bring coastal flooding risks. Weather preparedness is essential, especially in areas prone to flooding or heavy snowfall areas. Residents often invest in storm protection and seasonal gear.

Seasonal patterns:

• Autumn: Mild with colorful foliage

• Summer: Highs in the upper 80s with humidity

• Winter: Lows in the 20s with heavy snow in the north

5. Employment Opportunities in New Jersey

Job markets thrive in pharmaceuticals, healthcare, logistics, and finance. The state benefits from its proximity to major economic hubs. With major employers and access to New York City, professionals in New Jersey have wide-ranging career options, especially in high-skill industries.

Leading industries:

• Biotech and medical research

• Financial and insurance services

• Manufacturing and logistics

6. Transportation in New Jersey

Public transit and highways are vital but costly. Extensive transit systems support travel within and between cities, though traffic and fares can be high. For many, access to transit is a determining factor in choosing where to live.

Common options:

• NJ Transit trains and buses

• PATH and Amtrak for city commuters

• Major highways, including I-95 and the Turnpike

7. Healthcare Access in New Jersey

The state has excellent healthcare networks in most cities, but rural access varies. Healthcare is a top reason some choose urban areas despite higher living costs. Healthcare providers increasingly emphasize preventive care and mental health services.

Healthcare features:

• High-quality providers like Hackensack Meridian

• Expansion of telemedicine options

• Slightly above average healthcare costs

8. Grocery Costs and Local Food

Although food prices in New Jersey's metropolitan areas have increased, local farms help ensure produce remains readily available. The State’s farming industry supports a thriving farm-to-table movement.

Money-saving tips:

• Join CSA or bulk-buying programs

• Plan meals and reduce waste

• Shop local farmers’ markets

9. Utility and Energy Costs in New Jersey

Expect higher utility bills, especially during summer and winter peaks. Many homeowners opt for energy audits to improve insulation and reduce heating and cooling costs.

Energy considerations:

• Electricity and heating costs are high

• Solar incentives are available through the state

• Seasonal spikes are common in older homes

10. Community Life in New Jersey

New Jersey communities are diverse and full of activity. Local life often centers around schools, sports, and seasonal events, and neighborhood engagement is strong across the state.

Community highlights:

• Cultural celebrations and town parades

• Parks, beaches, and public recreation

• Strong neighborhood pride and volunteerism

If this is your first time relocating a vehicle, our first-time car shipping essential guide can help you confidently prepare before requesting a quote.

Final Thoughts

New Jersey offers career opportunities, community life, and cultural access. However, its high cost of living demands financial planning.  

With careful budgeting and a clear understanding of local costs, it is possible to enjoy all the state's benefits. Access to excellent healthcare, top-tier education, and diverse cultural activities enhances the quality of life for many residents. Those who are well-prepared financially and logistically often find New Jersey a rewarding and dynamic place to call home.

Need to Move Your Car to New Jersey?

AmeriFreight Car Shipping delivers reliable, door-to-door auto transport at competitive rates. Whether relocating to North Jersey, the Shore, or a quiet suburb, our team will help you find the best option. 

We help you choose the option that best fits your route, timing, and vehicle, and provide clear explanations of available rates to make moving your vehicle easy and affordable. Our network of vetted carriers ensures that your car arrives safely and on time, wherever you're headed in the Garden State. 

Get a free quote today and move with peace of mind knowing your vehicle is in trusted hands.

Frequently Asked Questions (FAQs)

Is moving to New Jersey worth it financially?

It depends on your job and budget. While salaries are higher, costs, especially for housing and taxes, can be steep.

What are the biggest challenges of living in New Jersey?

Property taxes, congestion, and competitive real estate are the most significant issues.

What jobs are available for newcomers? 

Healthcare, finance, logistics, and tech are top fields. Many also commute to New York City.

How do I prepare for the New Jersey lifestyle?

Start by budgeting, choosing the right neighborhood, and preparing for a fast-paced, high-cost environment.

Disclaimer: The information provided in this guide is for general informational purposes only. While every effort has been made to ensure accuracy at the time of writing, living costs, housing prices, job markets, and other local conditions may change over time. Always conduct your research or consult with local professionals when making relocation decisions.