New Jersey · Census, HUD and BEA figures · Updated

Cost of Living in Camden County, NJ

Prices around Camden County, NJ run 2.6% above the U.S. average (BEA, the metro area). The typical household there earns $88,755 a year, and HUD puts a two-bedroom at $1,810 a month. Keeping that rent under 30% of income takes about $72,400 a year.

Camden County, NJ at a glance

Median household income

$88,755$7,396 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,810HUD FY2026 Fair Market Rent
Price level (U.S. = 100)102.6+2.6% · BEA, the metro area
Electricity25¢per kWh · EIA Residential NJ
Population527,257Census ACS 5-year estimate

How much rent can you afford in Camden County, NJ?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,810Monthly market rent
Share of gross income24.5%Recommended max: 30%
Annual income needed$72,400To meet the 30% standard
Max affordable rent$2,219At 30% of $88,755
0%30% (Affordability standard)100%
Compare against:

How much is rent in Camden County, NJ? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Camden County, NJ, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,397$16,764$55,88018.9%
1-Bedroom Apartment$1,520$18,240$60,80020.6%
2-Bedroom ApartmentBenchmark$1,810$21,720$72,40024.5%
3-Bedroom Home$2,170$26,040$86,80029.3%
4-Bedroom Home$2,423$29,076$96,92032.8%

Rent in Camden County, NJ, with the wage each unit needs →

What a typical income covers in Camden County, NJ

The 50/30/20 rule applied to the local median of $88,755 a year ($7,396 a month before tax).

Needs (50%)$3,698/moRent ($1,810 2-BR), utilities (~$225/mo), groceries, transit
Wants (30%)$2,219/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,479/moEmergency fund, retirement, paying down loans

What $88,755 leaves after New Jersey taxes

Federal income tax, Social Security, Medicare and New Jersey tax on the local median income. Change the salary to see yours.

$88,755
$35,000$180,000
Filing status:
Gross salary breakdown$88,755
Net 76%
Fed 12%
NJ 4%
FICA 8%
Annual take-home$67,805After all taxes
Monthly deposit$5,650Estimated per month
Biweekly paycheck$2,608Every 2 weeks (26/yr)
Effective tax rate23.6%Total tax burden
Federal income tax$10,696 / yr
New Jersey state income tax$3,464 / yr
FICA (Social Security & Medicare)$6,790 / yr

Living in Camden County, NJ: common questions

What is the median household income in Camden County, NJ?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Camden County, NJ is $88,755 per year (approximately $7,396 per month).

What is the average rent in Camden County, NJ?

The closest official figure is HUD's Fair Market Rent for 2026: $1,397 for a studio, $1,520 for one bedroom, $1,810 for two, $2,170 for three and $2,423 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Camden County, NJ expensive to live in?

Prices there run 2.6% above the U.S. average. BEA's regional price parity for the metro area is 102.6, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Camden County, NJ?

To keep a $1,810 two-bedroom under 30% of gross income, a household needs about $72,400 a year, or $6,033 a month. That is 82% of what the typical household in Camden County, NJ earns.

How much do you need to live comfortably in Camden County, NJ?

On the local median income of $88,755 ($7,396 a month before tax), the 50/30/20 rule leaves $3,698 a month for needs like rent, utilities and groceries, $2,219 for everything else and $1,479 for savings or debt. A two-bedroom at $1,810 takes 49% of the needs share.

How much is the electric bill in Camden County, NJ?

Homes in New Jersey paid 25¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $225. Your bill depends mostly on heating and cooling.