Garfield, NJ vs Pennsville, NJ

The cost of living difference between Garfield, NJ and Pennsville, NJ is dramatic. Pennsville is 42% cheaper than Garfield, a gap that translates to thousands of dollars per year in household expenses. Garfield has a cost index of 126 while Pennsville sits at 88, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Garfield is $1,612/month compared to $1,225/month in Pennsville — a 32% difference. Home values follow the same pattern: Pennsville is more affordable at $188,100 median vs $454,300.

Median household income in Garfield is $75,701 compared to $75,162 in Pennsville (+0.7%). Garfield does offer higher incomes, but the salary premium barely offsets the higher cost of living, leaving residents with a tighter budget. Looking at affordability, residents of Garfield spend roughly 25.6% of their income on rent, more than the 19.6% in Pennsville.