Netcong, NJ vs Surf City, NJ

The cost of living difference between Netcong, NJ and Surf City, NJ is dramatic. Netcong is 36% cheaper than Surf City, a gap that translates to thousands of dollars per year in household expenses. Netcong has a cost index of 110 while Surf City sits at 172, 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 Netcong is $1,396/month compared to $1,750/month in Surf City — a 20% difference. Home values follow the same pattern: Netcong is more affordable at $344,300 median vs $967,900.

Median household income in Netcong is $92,596 compared to $118,333 in Surf City (-21.7%). The higher salaries in Surf City partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Netcong spend roughly 18.1% of their income on rent, more than the 17.7% in Surf City.