Housing prices in many New Jersey towns have increased over the past few years. For that reason, affordability is now more important than ever. Families, young professionals, and retirees all look for towns with fair prices and good quality of life. Lower housing costs help free up money for food, healthcare, and savings. At the same time, it’s important to consider school ratings, crime rates, and access to basic services. That balance is what makes a town livable. To narrow down this list, we looked at median home prices, rent, local amenities, and commute options. Locations were compared based on what everyday residents need most. With support from the best US moving companies, many people are finding affordable places to live in New Jersey that still meet their needs. This guide focuses on those hidden gems where cost and comfort come together.
Glen Gardner: A peaceful town with lower housing costs
Many people turn to movers Glen Gardner NJ when looking for a quiet, affordable place to live. The median home price in Glen Gardner is about $310,000, which is lower than the New Jersey state average. Rent for a two-bedroom apartment averages around $1,500 per month. This makes it a good option for families and individuals on a budget.
You’ll also enjoy easy access to outdoor areas. Voorhees State Park offers hiking, camping, and picnic spots just minutes away. Daily expenses are reasonable, too. Local grocery stores like ShopRite keep food costs manageable, with a gallon of milk costing around $3.80. Service prices such as gas and maintenance are slightly below the state average. In addition, Glen Gardner is close to Route 31 and I-78. These roads offer direct access to job markets in Clinton, Somerville, and even parts of Pennsylvania. As a result, the town combines lower housing costs with convenience and peaceful surroundings.
Clinton: Small-town charm with budget-friendly living
Many families reach out to Clinton NJ movers when searching for a more affordable place to live in Hunterdon County. The median home price in Clinton is around $375,000, which is lower than nearby towns like Flemington or Bridgewater. Renting a two-bedroom apartment costs about $1,600 per month. That makes Clinton a smart option for people wanting to stay close to New York or Pennsylvania without paying high prices.
The town has a walkable downtown filled with small shops, cafés, and a historic mill. For example, Main Street offers bakeries, clothing stores, and local diners—all within walking distance. Clinton Public School and North Hunterdon High School both have strong safety ratings and above-average test scores. This appeals to parents seeking quality education. Clinton is also close to job markets in Phillipsburg, Easton, and Bridgewater. Many residents commute using Route 78 or Route 31. With lower housing costs, good schools, and easy access to work, Clinton offers a practical and charming lifestyle.
Phillipsburg: One of the most affordable places to live in New Jersey
People often contact movers Phillipsburg NJ when searching for lower home prices without giving up convenience. The median home price in Phillipsburg is around $225,000, which is well below the New Jersey average. Rent for a two-bedroom apartment averages about $1,300 per month. These prices attract first-time buyers and renters looking to save. The town sits right on the border with Easton, Pennsylvania. As a result, residents benefit from nearby job opportunities across state lines. Commutes to Bethlehem or Allentown are also manageable, thanks to Route 22 and I-78.
Phillipsburg offers helpful community services like public libraries, bus routes, and local programs for seniors. Public transportation connects to larger towns and regional hubs. Dining options include local diners, pizza places, and Mexican restaurants—lunch specials often cost under $12. In terms of healthcare, residents have access to St. Luke’s Hospital in nearby Easton. As one of the most affordable places to live in New Jersey, Phillipsburg provides both savings and practicality.
Flemington: Affordable living in a historic setting
Homebuyers and renters often turn to movers Flemington NJ when looking for affordable living in a charming, historic town. The median home price in Flemington is about $340,000, which is less than nearby towns like Bridgewater. Rent for a two-bedroom apartment averages around $1,700 per month. These rates offer a good balance between value and location. Flemington also offers great local attractions. Residents enjoy visiting the Liberty Village Outlet Marketplace, historic downtown shops, and local museums like the Samuel Fleming House. The town has several public parks with walking trails and picnic areas. These spots are free or low-cost to enjoy year-round.
Public transit options include NJ Transit buses with connections to Bridgewater and Somerville. This makes commuting easier for those without a car. Flemington also has quality schools and medical services. Hunterdon Central Regional High School serves the area, while Hunterdon Medical Center provides local healthcare. Altogether, Flemington combines history, affordability, and daily convenience for budget-conscious movers.
Hackettstown: College town with budget housing
Living in a college town like Hackettstown brings both value and convenience. With Centenary University nearby, the rental market remains competitive yet affordable. A one-bedroom apartment rents for about $1,300 per month, while larger units may cost around $1,600. Very often, movers Hackettstown NJ handle relocations for students, faculty, and budget-conscious families. The town offers a mix of apartments, duplexes, and single-family homes. Homebuyers can expect median home prices around $360,000. This variety makes it easier to find housing that fits your budget and needs.
Hackettstown also has a lively community atmosphere. You’ll find local dining spots like Mama’s Cafe Baci and fun entertainment at the Hackettstown Center for the Arts. Seasonal street fairs and farmers’ markets bring residents together. For commuters, NJ Transit provides rail service to Dover, with connections to New York City. Buses also run between Hackettstown and nearby towns. Altogether, Hackettstown blends affordable housing, a friendly vibe, and good access to regional job centers.
Somerville: A growing town with affordable housing choices
Somerville has become a popular choice for buyers and renters who want value without losing access to services. New housing developments continue to grow, offering townhomes and condos at competitive prices. The average home sells for around $420,000, while two-bedroom apartments rent for about $1,800. People working with movers Somerville NJ often choose the area for both affordability and location. Downtown Somerville is walkable and packed with local businesses. Residents enjoy restaurants like Verve and Origin Thai, plus retail stores and coffee shops. This makes it easy to run errands or dine out without driving far.
Transportation is another key benefit. NJ Transit trains run directly to Newark and New York City. Local buses offer additional service within Somerset County. These options help save money and time for commuters. Families also appreciate the amenities. Somerville hosts street fairs, movie nights, and free summer concerts. Parks, libraries, and playgrounds are all nearby, making it a well-rounded place to live affordably.
Bridgewater: One of the best affordable places to live in New Jersey
Bridgewater offers a balance of affordability, quality schools, and access to services. Compared to nearby Somerset County towns like Basking Ridge or Bernardsville, housing prices are more reasonable. The average home price in Bridgewater is around $500,000, while similar homes in nearby towns often exceed $650,000. People working with movers Bridgewater NJ often choose this area for better value without losing convenience. The school district is highly rated. Bridgewater-Raritan schools score well on state assessments and offer a variety of extracurriculars. This makes the town attractive for families.
Residents enjoy many local amenities. Bridgewater Commons Mall has popular stores like Macy’s and Apple. Nearby, Duke Island Park provides trails, picnic areas, and open green space. Medical care is also easy to access, with RWJ University Hospital Somerset just minutes away. For professionals, Bridgewater offers jobs in pharmaceuticals, finance, and logistics. Johnson & Johnson and Sanofi have offices here. These options make Bridgewater one of the best affordable places to live in New Jersey.
Morristown: Budget-friendly option in a lively location
Choosing Morristown can help you save while staying close to New York City. Home prices average around $560,000, which is lower than nearby towns like Summit or Montclair. Rent for a one-bedroom apartment is about $2,000 per month. Many new residents rely on movers Morristown NJ to settle in this walkable and well-connected town. Morristown also has an active cultural scene. Mayo Performing Arts Center hosts concerts, plays, and family shows. Local bars and restaurants, like Iron Bar and South+Pine, offer both nightlife and dining variety.
Commuters benefit from direct train service to NYC through NJ Transit. Routes 287 and 24 connect Morristown to regional job hubs. These options reduce travel time and make daily life easier. The town is also known for its community feel. Local services include a public library, wellness programs, and seasonal festivals. Wide sidewalks and clear signage make it safe for walking. Overall, Morristown blends affordability, access, and activity in one smart location.
Bayville: Shore living without the high price tag
Bayville offers coastal living without the high cost often found in New Jersey shore towns. The average home price is around $350,000, and property taxes are lower than in neighboring communities like Brick or Toms River. That makes Bayville an attractive option for people who want to live near the water while sticking to a budget. Located just a few miles from Barnegat Bay, Bayville provides a quiet, suburban atmosphere. Streets are calm, and the pace of life is slower compared to busy tourist towns. Families enjoy the space and relaxed setting.
Local schools, including Central Regional High School, offer solid academic programs. Shopping is also convenient, with nearby stores like ShopRite, Home Depot, and Walgreens. Bayville has easy access to both Route 9 and the Garden State Parkway. Toms River is only 15 minutes away, offering more job opportunities and services. Whether you’re commuting or staying local, Bayville gives you value and comfort.
Delran: One of the most affordable places to live in New Jersey for families
Delran stands out as a smart choice for families looking to stay within budget. Home prices average around $340,000, with many three- and four-bedroom houses available. These larger layouts give families more space without higher costs. Renters also benefit, with monthly rates for a two-bedroom apartment starting around $1,500. The town is just 30 minutes from Philadelphia, offering easy access to a wide job market. Commuters can take Route 130 or NJ Transit buses for a simple daily drive. Families benefit from strong community support:
- Millbridge Elementary and Delran High School receive good parent reviews
- Ample parks, including Jake’s Place and Amico Island Park, offer room to play
- Local sports leagues and summer camps keep kids active year-round
Delran also has a strong record for safety. Police and emergency services are well-rated, and the town hosts public events that bring neighbors together.
Finding value in the most affordable places to live in New Jersey
Choosing the right town takes more than just comparing home prices. It also means looking at schools, services, safety, and access to jobs. Each town in this guide offers a strong mix of value and quality. Whether you prefer quiet suburbs like Glen Gardner or busy centers like Morristown, there’s a good option for your budget. Some places offer quick commutes, while others provide more space for less money. Local parks, schools, and public transit add even more reasons to settle in these communities. If you’re moving on a budget, this list of affordable places to live in New Jersey can help you find a town that meets your needs. Make your move count by choosing smart.