Somerset, NJ vs Upper Saddle River, NJ

The cost of living difference between Somerset, NJ and Upper Saddle River, NJ is dramatic. Somerset is 42.7% cheaper than Upper Saddle River, a gap that translates to thousands of dollars per year in household expenses. Somerset has a cost index of 135 while Upper Saddle River sits at 236, 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 Somerset is $2,050/month compared to $3,501/month in Upper Saddle River — a 41% difference. Home values follow the same pattern: Somerset is more affordable at $408,600 median vs $1,101,800.

Median household income in Somerset is $113,603 compared to $246,719 in Upper Saddle River (-54%). While Upper Saddle River is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Somerset spend roughly 21.7% of their income on rent, more than the 17% in Upper Saddle River.