Camden, NJ at a glance
Median household income
$40,546$3,379 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Camden, NJ?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Camden, 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.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $1,397 | $16,764 | $55,880 | 41.3% |
| 1-Bedroom Apartment | $1,520 | $18,240 | $60,800 | 45% |
| 2-Bedroom ApartmentBenchmark | $1,810 | $21,720 | $72,400 | 53.6% |
| 3-Bedroom Home | $2,170 | $26,040 | $86,800 | 64.2% |
| 4-Bedroom Home | $2,423 | $29,076 | $96,920 | 71.7% |
What a typical income covers in Camden, NJ
The 50/30/20 rule applied to the local median of $40,546 a year ($3,379 a month before tax).
What $40,546 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.
Rent, jobs and pay in New Jersey
Living in Camden, NJ: common questions
What is the median household income in Camden, NJ?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Camden, NJ is $40,546 per year (approximately $3,379 per month).
What is the average rent in Camden, 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, 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, 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 179% of what the typical household in Camden, NJ earns.
How much do you need to live comfortably in Camden, NJ?
On the local median income of $40,546 ($3,379 a month before tax), the 50/30/20 rule leaves $1,689 a month for needs like rent, utilities and groceries, $1,014 for everything else and $676 for savings or debt. A two-bedroom at $1,810 takes 107% of the needs share.
How much is the electric bill in Camden, 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.