Cost of Living in Montclair

Montclair's cost of living runs genuinely, severely high on both housing and property tax -- among the most expensive New Jersey Tier A markets documented in this project.

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Severely elevated housing costs

Montclair's average home value ($1,204,654, per Zillow) runs dramatically above New Jersey's own already-high $584,681 statewide average.

A severe property-tax layer on top

Montclair's effective property tax rate (3.38%-5.79% depending on ZIP) produces a median annual tax bill of approximately $22,537 -- among the highest documented in this project.

A strong income base

Montclair's median household income (roughly $151,075-$172,306) runs substantially above both state and national figures, helping offset the severe cost picture for many households.

Key takeaways

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Last reviewed: 2026-08-25. Independent research; not financial, tax, or legal advice -- confirm current figures with a local professional before making a decision.