FIRE Number & Cost of Living in New Jersey

Explore FIRE baselines across 6 cities in New Jersey. State taxes affect your take-home, so we show local tax context for each city. Find your target and compare retirement timelines. Compare New Jersey with the broader Northeast FIRE guide.

Cities covered

Avg FIRE target

$1,502,500

Avg annual cost

$60,100

All cities in New Jersey

Ranked by cost of living. Pick a city to see detailed FIRE calculations, tax context, and retirement scenarios specific to that location.

Hoboken, NJ

$77,800/year baseline

$1,945,000 FIRE target

Jersey City, NJ

$68,700/year baseline

$1,717,500 FIRE target

Princeton, NJ

$59,300/year baseline

$1,482,500 FIRE target

Newark, NJ

$57,000/year baseline

$1,425,000 FIRE target

Atlantic City, NJ

$50,900/year baseline

$1,272,500 FIRE target

Trenton, NJ

$46,900/year baseline

$1,172,500 FIRE target

Calculate your FIRE date for any city in New Jersey

Use the full calculator to model your specific income, savings rate, and taxes to get an exact retirement date.

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