CitytisticsShortlist

Cost of living, pay and housing

40.84° N · 74.20° W · GEOID 3475020

Upper Montclair

Essex County, New Jersey · part of the New York, NY metro

New JerseyUpper Montclair, NJUpper MontclairUpper Montclair

The short answer

Upper Montclair is home to 12,457 people. Median household income is $250,001 a year and median rent is $2,237 a month, 10.7% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $989,000, about 4.0x annual median household income.

What sets Upper Montclair apart is how far household money goes. After the median rent, with other prices set to the US average, the median household keeps about $212,200 a year, more than in 99% of places its size. It is the highest of 287 New Jersey places we track. Also notable: Owning with a mortgage costs about $1,764 a month more than the median rent, a wider gap than in 97% of places its size.

91OF 100

CTXCitytistics Index

Exceptional

Upper Montclair scores better than 91% of the 6,612 places we rate, and ranks 24th of 287 in New Jersey.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%72
Economy 20%74
Safety 20%n/a
Amenities 15%76
Education 10%100
Commute 10%1
Growth 5%n/a

Not rated: safety, growth, for want of data (the city police department does not report a full year to the FBI). The other weights are spread over the categories rated.

Median gross rent
$2,237
64% above the median place
Median household income
$250,001
211% above the median place
Median home value
$989,000
210% above the median place
Unemployment
5.0%
2% above the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Upper Montclair

  • Value for moneyRent is light relative to pay, but the county has a FEMA natural hazard risk score of 98 out of 100. Budget for insurance before counting the savings.
  • HousingHalf the homes were built before 1938, older housing than in 99% of the 2,300 places of 10,000 to 25,000 people we track. It is the lowest of 287 New Jersey places we track.
01

Moving to Upper Montclair

Essex County loses about 10.6 residents per 1,000 a year to moves between counties.

Moved in32,807
Moved out39,590
Net−6,783

Where people come from and where they go, top counties

Union County, NJ3,3175,043−1,726
Hudson County, NJ4,6612,673+1,988
Passaic County, NJ2,2341,939+295
Kings County, NY2,9651,175+1,790
Bergen County, NJ1,9801,989−9
New York County, NY1,5841,122+462

Within New Jersey, other states or abroad

Arrivals
Leavers
Within New JerseyOther statesAbroad

Income per tax return

Arrivals$97K
Leavers$92K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Essex County; flows under 20 returns are not published.

Who moves here
3.5% of residents arrived from another county in the past year, 2.5% from another state.
Who arrives and who leaves
Households moving into Essex County report $96,600 a year in income on average; those leaving, $92,400.
Income you would need
$89,500 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $2,237 a month; owners with a mortgage pay $4,001 a month including taxes and insurance, on a median home of $989,000.
Getting to work
42 minutes each way on average; 43.2% work from home; 17.3% take transit.
If it is close but not quite
Winnetka, IL matches it on character for less of your income. Compare the two
Moved here in the past year1
3.5%
40% below the median place
Moved from another state1
2.5%
26% above the median place
Net movers per 1,000 people7
-10.6
below the median place (median -0.6)
All 5 moving measures
MeasureUpper MontclairAmong 6,645 placesVs median
Moved here in the past year13.5%40% below
Moved from another state12.5%26% above
Net movers per 1,000 people7County figure-10.6below (median -0.6)
Income of households moving in7County figure$96,55737% above
Income of households moving out7County figure$92,35731% above
02

What it costs to live here

The median rent takes 10.7% of the median household's income, a smaller share than in 99% of the 2,301 places of 10,000 to 25,000 people we track.

Upper Montclair10.7%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$89,480
a year, at the 30% line
Rent to income
10.7%
48% below the median place
Home price to income
4.0x
4% above the median place

Could you afford it?

The median rent would take
11%
comfortably under the 30% line
Left after rent, in US prices
$212,200
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Upper Montclair, $2,237 a month, and local prices for everything else (105.2 against a US average of 100). It runs in your browser and stores nothing.

Like Upper Montclair, but easier on the budget

Places that match Upper Montclair on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.

PlaceMatchRent to incomeMore left a year
Winnetka, IL808.8% vs 10.7%$11,500Compare

Moving from somewhere else? Work out the salary you would need in Upper Montclair.

Sponsored · exampleMoving to Upper Montclair? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Median year built1
1938
2% below the median place
Median home value1
$989,000
210% above the median place
Owner costs with a mortgage1
$4,001
114% above the median place
All 15 cost and housing measures
MeasureUpper MontclairAmong 6,645 placesVs median
Median gross rent1$2,23764% above
Rent to income110.7%48% below
Home price to income14.0x4% above
Prices vs US average2Metro figure112.612% above
Fair market rent, 2 bedrooms3County figure$2,23338% above
HUD area median income4County figure$138,40029% above
Property tax paid (median)1$10,001206% above
Median home value1$989,000210% above
Home prices, 1-year change5County figure5.8%82% above
Home prices, 5-year change5County figure58.2%13% above
Homeownership185.8%29% above
Renters paying 30%+151.1%1% above
Owner costs with a mortgage1$4,001114% above
Vacant homes16.7%5% below
Median year built119382% below
03

Work and pay

43% of workers mostly work from home, more than in 99% of the 2,241 places of 10,000 to 25,000 people we track. It is the highest of 279 New Jersey places we track.

Works from home1
43.2%
247% above the median place
Poverty rate1
1.9%
82% below the median place
Median household income1
$250,001
211% above the median place

More on work and pay, against the typical place

Mean commute42 min +69%
Commutes by transit17.3% 20.3×
Income per person$112,208 2.8×
Unemployment5.0% +2%
All 10 work and pay measures
MeasureUpper MontclairAmong 6,645 placesVs median
Median household income1$250,001211% above
Income per person1$112,208180% above
Unemployment15.0%2% above
Average annual pay6County figure$91,23838% above
Pay growth, 1 year6County figure3.2%14% below
Jobs6County figure353,038134% above
Poverty rate11.9%82% below
Mean commute142 min69% above
Works from home143.2%247% above
Commutes by transit117.3%above (median 0.8%)
04

Who lives here

Bachelor's or higher is 84.7%, 164% above the median place.

Bachelor's or higher1
84.7%
164% above the median place
High school or higher1
99.0%
7% above the median place
Homes with broadband1
97.9%
6% above the median place

More about who lives here, against the typical place

Household size3.1 +22%
Median age42.2 +8%
Born abroad10.6% +20%
All 8 people measures
MeasureUpper MontclairAmong 6,645 placesVs median
Population112,4573490th largest
Median age142.28% above
Bachelor's or higher184.7%164% above
High school or higher199.0%7% above
Household size13.122% above
Born abroad110.6%20% above
No health insurance1County figure11.9%86% above
Homes with broadband197.9%6% above
05

Life in Upper Montclair

The nearest National Park Service site is Thomas Edison National Historical Park, about 5 miles away.

2 sites are on the National Register of Historic Places, 2 of them National Historic Landmarks. Its history on Wikipedia

  • Mountain Avenue Station listed 1984
  • Upper Montclair Station listed 1984

Out the door, against the typical place

Parks per 10k residents12.8 +26%
Playgrounds per 10k6.4 −32%
Grocery stores per 10k3.2 +51%
Restaurants, cafes and bars per 10k36.1 3.2×
Libraries per 10k1.6 +85%
Named paths and bike trails6 km 2.8×
Bus and rail stops per sq mi6.7 32.0×

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

National Park Service sites nearby

  • Thomas Edison National Historical Park 5 miles
  • Paterson Great Falls National Historical Park 5 miles
  • Grant's Tomb 13 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars20.5 −1%
Shops29.5 −3%
Arts, recreation and fitness4.1 +0%
Doctors' offices and clinics22.5 +11%
Child care centers3.1 +35%

Counts businesses with paid staff, so small owner-run shops are not included.

Students per teacher12
10.1
34% below the median place
Nearest National Park Service site10
4.5
85% below the median place
Public schools12
3
67% below the median place
All 18 schools and local life measures
MeasureUpper MontclairAmong 6,645 placesVs median
Public schools12367% below
Public school students121,39771% below
Students per teacher1210.134% below
Restaurants and bars per 10k8County figure20.51% below
Shops per 10k8County figure29.53% below
Arts, recreation and fitness per 10k8County figure4.10% above
Doctors' offices and clinics per 10k8County figure22.511% above
Child care centers per 10k8County figure3.135% above
Parks per 10k912.826% above
Playgrounds per 10k96.432% below
Grocery stores per 10k93.251% above
Restaurants, cafes and bars per 10k936.1224% above
Libraries per 10k91.685% above
Named paths and bike trails95.6180% above
Transit stops per sq mi96.7above (median 0.2)
Nearest National Park Service site104.585% below
National Park Service sites within 60 miles1020above (median 2)
National Register listings11285% below
06

Safety, weather and risk

Wildfire risk is 10.6, 83% below the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Upper Montclair. Larger places are fetched first.

Wildfire risk14
10.6
83% below the median place
Heat wave risk14
99.0
10% above the median place
Good air days15
42.2%
38% below the median place
All 11 weather and risk measures
MeasureUpper MontclairAmong 6,645 placesVs median
July average high13County figure86°F1% below
January average low13County figure23°F9% below
Average temperature13County figure54°F3% below
Annual precipitation13County figure48.6 in11% above
Natural hazard risk14County figure97.76% above
Hurricane risk14County figure91.830% above
Tornado risk14County figure94.917% above
Wildfire risk14County figure10.683% below
Heat wave risk14County figure99.010% above
Median air quality index15Metro figure5323% above
Good air days15Metro figure42.2%38% below
08

Upper Montclair in 2030: where the trends point

If recent trends hold, the median rent will take about 11% of the median income in 2030, about the same as 11% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, Upper Montclair does better than 73% of places. Its projected home value growth beats 17%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$2,237/mo (2024)$2,830/mo$2,320 to $3,440/mo+4.0%
Median household income$250,001 (2024)$315,000$266,000 to $372,500+3.9%
Median home value$989,000 (2024)$1,386,000$1,006,000 to $1,909,000+5.8%

The median home would be worth 4.4 years of the median income in 2030, against 4.0 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Upper Montclair

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Merion Station, PA$2,461$250,001Compare
Hinsdale, IL$1,924$250,001Compare
Westfield, NJ$2,357$232,629Compare
Rye Brook, NY$2,593$246,944Compare
Rye Brook, NYWestfield, NJHinsdale, ILMerion Station, PAUpper Montclair, NJMerion StationHinsdaleRye BrookMerion StationHinsdaleRye Brook

Places built like Upper Montclair

Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how Upper Montclair performs against places like it.

PlaceRent to incomeIncome growthPop. change
Upper Montclair, NJ10.7%3.4%/yrn/a
Merion Station, PA11.8%2.8%/yrn/aCompare
Glen Ridge, NJ13.1%4.3%/yr6.2%Compare
Chatham, NJ11.2%4.7%/yr8.9%Compare
Piedmont, CA16.8%2.2%/yr-5.5%Compare
Oradell, NJ12.5%10.8%/yr0.6%Compare
Scarsdale, NY16.8%0.0%/yr-0.4%Compare

Common questions

Is Upper Montclair a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 91 out of 100, better than 91% of the places we rate and 24th of 287 in New Jersey. Rent is light relative to pay, but the county has a FEMA natural hazard risk score of 98 out of 100. Budget for insurance before counting the savings. Half the homes were built before 1938, older housing than in 99% of the 2,300 places of 10,000 to 25,000 people we track. It is the lowest of 287 New Jersey places we track. On cost, space and class size it scores 100 out of 100 for families. See how it ranks with your own weights.

Is Upper Montclair expensive to live in?

The median rent takes 10.7% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $989,000.

What salary do you need to live in Upper Montclair?

To rent the median home without spending more than 30% of income on rent, a household needs about $89,480 a year. Work it out from your current city.

What places are similar to Upper Montclair?

On income, rent, home value, education and age, the closest matches are Merion Station, PA, Hinsdale, IL, Westfield, NJ and Rye Brook, NY.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Common Core of Data · National Center for Education Statistics · 2024 release
  13. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  14. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  15. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); home price to income (B25077, B19013).

What stands out compares Upper Montclair with places of a similar size, using only figures measured for Upper Montclair itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/upper-montclair-new-jersey

Citytistics. “Upper Montclair, New Jersey.” Data as of 2026-11-14. https://www.citytistics.com/city/upper-montclair-new-jersey/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.