Cost of Living: Jersey City, NJ vs Irving, TX (2026)

Jersey City

New Jersey
148
VS

Irving

Texas
102

Jersey City is 45% more expensive than Irving.

$1,902/mo ↑ 25%
Median Rent
$1,517/mo ↓ 20%
$94,813/yr ↑ 19%
Median Income
$79,641/yr ↓ 16%
$534,500 ↑ 86%
Home Value
$287,300 ↓ 46%
$2,006/mo ↑ 32%
Owner Costs
$1,521/mo ↓ 24%
289,691
Population
255,036

Tax Comparison

10.75%
Income Tax
0%
6.625%
State Sales Tax
6.25%
2.23%
Property Tax
1.6%

Affordability

24.1%
rent-to-income
Affordability
22.9%
rent-to-income

Detailed Comparison

When comparing Jersey City, NJ and Irving, TX, the overall cost of living indices are 148 and 102 respectively (national median = 100). Rent is $385/month cheaper in Irving, saving renters about $4,620/year.

Median household income is $15,172/year higher in Jersey City. Home values also differ significantly — the median in Jersey City is $534,500 compared to $287,300 in Irving.

Texas has no state income tax, giving Irving residents a significant tax advantage over New Jersey's 10.75% rate.

Frequently Asked Questions

Jersey City vs Irving — common questions

Is Jersey City or Irving cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 148 (US average = 100).
What is the rent difference between Jersey City and Irving?
Median rent in Jersey City is $1,902/month and in Irving it's $1,517/month — a difference of $385/month.
Which city has higher income, Jersey City or Irving?
Median household income is $94,813 in Jersey City and $79,641 in Irving. Median household income is $15,172/year higher in Jersey City.
How do taxes compare between New Jersey and Texas?
New Jersey has 10.75% income tax, 6.625% sales tax, and 2.23% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Jersey City or Irving?
It depends on your priorities. Jersey City has a cost index of 148 with median rent of $1,902/mo, while Irving has a cost index of 102 with rent of $1,517/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Jersey City details → View Irving details →

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