New Jersey Vs Florida: Which State Is Better To Live In?

Deciding where to live is an important life choice with many factors to consider. New Jersey and Florida are two popular destinations, but which sunny state is really better?

If you’re short on time, here’s a quick answer to your question: New Jersey generally has a higher cost of living, higher taxes, and colder winters than Florida. However, New Jersey has access to major cities and more diverse landscapes while Florida is mostly flat and offers more beach living. It depends if you prioritize affordability, warm weather, city access, or coastal living.

In this detailed comparison of New Jersey and Florida, we’ll look at key factors like the climate, cost of living, taxes, economy and job market, education and schools, outdoor recreation, transportation and infrastructure, crime rates, and more. We’ll break down how these two East Coast states stack up across the categories that matter most so you can determine which might be a better fit.

Climate and Geography

New Jersey and Florida offer distinct climates and geographies, each with its own unique appeal. When it comes to climate, one of the key factors to consider is the average temperatures.

Average Temperatures

New Jersey experiences a diverse climate, with hot summers and cold winters. The average summer temperature ranges from 70°F to 85°F (21°C to 29°C), while winter temperatures can drop to 20°F to 30°F (-7°C to -1°C).

On the other hand, Florida boasts a subtropical climate, characterized by warm temperatures year-round. The average summer temperature in Florida hovers around 90°F (32°C), while winter temperatures rarely dip below 60°F (15°C).

So, if you prefer milder winters and consistently warm weather, Florida may be the place for you.


When it comes to rainfall, both states have their own patterns. New Jersey receives an average annual rainfall of around 46 inches, spread fairly evenly throughout the year. Florida, on the other hand, experiences a wet and dry season due to its tropical climate.

The wet season typically falls between May and October, with an average annual rainfall of 54 inches. The dry season, from November to April, sees much less rainfall. So, if you enjoy a more consistent rainfall throughout the year, New Jersey might be a better fit, whereas if you appreciate the distinct wet and dry seasons, Florida might be more appealing.

Geography and Landscapes

Another aspect to consider is the geography and landscapes of the two states. New Jersey is known for its diverse geography, ranging from beautiful beaches along the Atlantic coast to picturesque mountains in the northwest.

The state also features lush forests, charming small towns, and bustling cities like Newark and Jersey City. Florida, on the other hand, is renowned for its stunning beaches, with over 1,300 miles of coastline.

The state is also home to the Everglades, a unique and biodiverse ecosystem, and boasts vibrant cities such as Miami and Orlando. Whether you prefer a mix of coastal and mountainous landscapes or a tropical paradise, both states offer something for everyone.

For more detailed information on climate and geography, you can visit the official websites of New Jersey ( and Florida (

Cost of Living

When comparing New Jersey and Florida, one of the important factors to consider is the cost of living. Both states have their unique aspects when it comes to expenses.

Housing Costs

Housing costs in New Jersey tend to be higher compared to Florida. According to the latest data from the U.S. Census Bureau, the median home value in New Jersey is $327,900, while in Florida, it is $237,100.

This price difference can have a significant impact on the overall cost of living in each state. However, it is important to note that the cost of housing can vary depending on the specific location within each state.

Other Costs like Food, Utilities, Transportation

When it comes to other daily expenses like food, utilities, and transportation, New Jersey generally has higher costs compared to Florida. For example, the average monthly utility bill in New Jersey is around $150, while in Florida, it is around $130.

Additionally, groceries and dining out may also be slightly more expensive in New Jersey. However, it’s worth mentioning that these costs can vary depending on personal preferences and lifestyle choices.

State Income Tax Rates

One significant difference between New Jersey and Florida is the state income tax rates. New Jersey has a progressive income tax system, with rates ranging from 1.4% to 10.75%, depending on income level.

On the other hand, Florida does not have a state income tax, which can be a significant advantage for individuals looking to save on taxes. This difference in tax rates can have a significant impact on disposable income and overall cost of living.

When considering the cost of living, it’s important to evaluate your personal financial situation and priorities. While New Jersey may have higher housing and other costs, it also offers a higher median income, a strong job market, and a range of amenities and services.

On the other hand, Florida boasts a lower cost of living, favorable weather, and no state income tax. Ultimately, the choice between the two states depends on individual preferences and priorities.

Economy and Job Market

Major Industries

New Jersey’s top industries are pharmaceuticals, financial services, telecommunications, and tourism. Many large corporations and healthcare companies are headquartered in New Jersey.

Florida’s major industries include tourism, agriculture, aerospace/aviation, and construction. Tourism, especially to Orlando and Miami, is a huge driver of Florida’s economy.

Unemployment Rates

As of November 2022:

  • New Jersey unemployment rate: 3.9%
  • Florida unemployment rate: 2.5%

Florida’s unemployment rate is often lower than New Jersey’s. In 2022, Florida had one of the lowest unemployment rates in the U.S.

Average Salaries

State Average Annual Salary
New Jersey $65,000
Florida $52,000

New Jersey has one of the highest average salaries in the country, while Florida’s is closer to the national median. Salaries vary greatly by job and location in both states.


K-12 School Systems

When comparing the K-12 school systems in New Jersey and Florida, both states offer a variety of educational opportunities for students. However, New Jersey consistently ranks among the top states in terms of education.

According to the National Assessment of Educational Progress (NAEP), New Jersey students consistently outperform their peers in other states in math and reading. The state also has a high graduation rate, with over 90% of students completing high school.

Florida, on the other hand, has made improvements in recent years but still lags behind New Jersey in terms of educational achievement. It is important to note that there are variations within each state, and some school districts may perform better than others.

Higher Education Options

Both New Jersey and Florida offer a wide range of higher education options for students. New Jersey is home to prestigious universities such as Princeton University, Rutgers University, and Seton Hall University.

These institutions offer a diverse range of academic programs and have strong reputations both nationally and internationally. Florida, on the other hand, is known for its vibrant and growing higher education system.

The state has numerous public universities, including the University of Florida and Florida State University, as well as private institutions like the University of Miami. Additionally, Florida is home to several community colleges and technical schools, providing a variety of options for students seeking vocational and technical training.

Education Levels of Residents

When it comes to the education levels of residents, New Jersey tends to have a higher percentage of residents with a college degree or higher. According to the U.S. Census Bureau, over 40% of adults in New Jersey have a bachelor’s degree or higher, compared to around 30% in Florida.

This higher level of education among residents can have a positive impact on the overall quality of life and economic opportunities in the state. However, it is important to consider that education levels can vary within each state, and there are individuals in both New Jersey and Florida who have achieved high levels of education.

Outdoor Recreation and Nature


When it comes to beaches, both New Jersey and Florida offer stunning coastal landscapes for outdoor enthusiasts to enjoy. New Jersey boasts a diverse coastline along the Atlantic Ocean, with popular destinations such as Cape May, Wildwood, and Long Beach Island.

These beaches offer a range of activities, from swimming and sunbathing to surfing and fishing. On the other hand, Florida is renowned for its beautiful white sandy beaches, particularly in destinations like Miami, Fort Lauderdale, and Clearwater.

The warm waters of the Gulf of Mexico and the Atlantic Ocean make Florida beaches perfect for swimming, snorkeling, and water sports. Whether you prefer the vibrant atmosphere of New Jersey’s beaches or the tropical paradise of Florida’s coastline, both states offer a great outdoor beach experience.


Both New Jersey and Florida have an abundance of parks that showcase their natural beauty. New Jersey is home to the famous Delaware Water Gap National Recreation Area, which spans over 70,000 acres and offers stunning views, hiking trails, and waterfalls.

Additionally, the state has numerous state parks and forests, such as Liberty State Park and Wharton State Forest, where visitors can enjoy activities like camping, picnicking, and wildlife spotting. Florida, on the other hand, is renowned for its extensive network of state parks and preserves.

The Everglades National Park is a must-visit, with its unique ecosystem and diverse wildlife. Other notable parks in Florida include the Biscayne National Park and the Canaveral National Seashore. Both states offer a wide range of parks that cater to nature lovers and outdoor adventurers.

Other Outdoor Activities

In addition to beaches and parks, both New Jersey and Florida offer various other outdoor activities for residents and visitors to enjoy. New Jersey is known for its hiking and biking trails, with the Appalachian Trail and the Pine Barrens being popular destinations for outdoor enthusiasts.

The state also has numerous lakes and rivers that are perfect for kayaking, canoeing, and fishing. Florida, on the other hand, is a haven for water sports enthusiasts. With its warm climate and abundant water bodies, activities such as snorkeling, scuba diving, and jet skiing are extremely popular.

Additionally, Florida is home to several world-class golf courses, making it a golfer’s paradise. Whether you prefer exploring nature on foot or indulging in adrenaline-pumping water sports, both states offer a plethora of outdoor activities to suit every interest.

Infrastructure and Transportation

Major Airports

Both New Jersey and Florida boast several major airports that provide convenient access to domestic and international destinations. In New Jersey, the Newark Liberty International Airport serves as a bustling hub for travelers, offering a wide range of flights and airlines.

Additionally, the John F. Kennedy International Airport and LaGuardia Airport in nearby New York City are easily accessible for residents of northern New Jersey.

Florida, on the other hand, is home to multiple major airports, including the Miami International Airport, Orlando International Airport, and Fort Lauderdale-Hollywood International Airport. These airports provide extensive flight options for both domestic and international travel, making Florida an attractive choice for frequent flyers.

Public Transportation

When it comes to public transportation, New Jersey has a well-developed system that offers convenient options for commuters. The New Jersey Transit system operates buses, trains, and light rail services, connecting various parts of the state and providing easy access to neighboring areas such as New York City and Philadelphia.

This makes it easier for residents to travel for work or leisure purposes without relying solely on personal vehicles.

Florida, on the other hand, is known for its reliance on cars as the primary mode of transportation. While major cities like Miami and Orlando have public transportation systems in place, they may not be as extensive or efficient as those in New Jersey.

Residents of Florida often find it necessary to have their own vehicles for daily commuting and getting around.

Highways and Roads

New Jersey has a well-connected highway system, with major routes such as the New Jersey Turnpike and Garden State Parkway facilitating easy travel within the state. These highways also provide convenient access to neighboring states, making it convenient for residents to explore the region.

The roads in New Jersey are generally well-maintained, ensuring a smooth driving experience for commuters and travelers.

Florida, on the other hand, is known for its extensive network of highways, including the famous Interstate 95 and Interstate 75. These highways connect major cities and tourist destinations, making it easy for residents and visitors to travel across the state.

However, traffic congestion can be an issue in some areas, especially during peak travel times.

Crime Rates

When comparing New Jersey and Florida, it is important to consider the crime rates in each state. Both states have their own unique challenges when it comes to crime, but there are some notable differences between the two.

New Jersey Crime Rates

New Jersey has a reputation for being one of the safer states in the country. According to the FBI’s Uniform Crime Reporting (UCR) Program, the state consistently ranks lower than the national average for both violent and property crimes.

In recent years, there has been a decrease in crime rates across the state, which is great news for residents. However, it’s worth noting that certain cities in New Jersey do have higher crime rates, so it’s important to research specific areas before making a decision.

Florida Crime Rates

Florida, on the other hand, has a more mixed reputation when it comes to crime rates. While there are certainly safe areas in the state, there are also areas with higher crime rates. According to the UCR data, Florida has a higher overall crime rate compared to the national average.

However, it’s important to consider the size and population of Florida, as it is the third most populous state in the country. This means that crime rates can vary significantly depending on the specific area within the state.


When comparing the crime rates of New Jersey and Florida, it’s clear that New Jersey has a lower overall crime rate. However, it’s important to consider other factors such as population density, socioeconomic factors, and specific locations within each state.

If safety is a top priority, it may be worth considering New Jersey as a potential place to live. However, it’s always a good idea to research specific neighborhoods and cities within each state to get a more accurate picture of the crime rates in those areas.

For more information on crime rates in New Jersey, you can visit the New Jersey State Police website. Similarly, for information on crime rates in Florida, you can visit the Florida Department of Law Enforcement website.

Tax Rates

Income Tax

When it comes to income tax, both New Jersey and Florida have different approaches. New Jersey has a progressive income tax system, which means that the more you earn, the higher percentage of taxes you will pay.

On the other hand, Florida has no state income tax, making it an attractive option for those looking to save money on their annual tax bill.

Sales Tax

When it comes to sales tax, there is a notable difference between New Jersey and Florida. New Jersey has one of the highest sales tax rates in the country, currently set at 6.625%. This means that when you make a purchase in New Jersey, you will have to pay an additional 6.625% in taxes.

On the other hand, Florida has a relatively lower sales tax rate, currently set at 6%. This makes Florida a more affordable option for everyday purchases.

Property Tax

Property tax is an important consideration for homeowners. In New Jersey, the property tax rates are among the highest in the nation. According to data from the Tax Foundation, the average property tax rate in New Jersey is 2.44%, which is significantly higher than the national average.

In contrast, Florida has a lower property tax rate, with an average rate of 1.02%. This can result in significant savings for homeowners in Florida.

It’s important to note that while tax rates are a significant factor to consider when deciding where to live, they should not be the sole determining factor. Other considerations such as overall cost of living, job opportunities, quality of schools, and lifestyle preferences should also be taken into account.

For more information on tax rates in New Jersey and Florida, you can visit the official websites of the respective state tax departments:


In summary, while both offer sunny weather and coastal living, those looking for lower costs of living and taxes may find Florida more favorable, while those who prioritize close access to major metropolitan areas and more varied scenery and recreation may prefer New Jersey.

Consider your own priorities in terms of climate, costs, career opportunities, lifestyle preferences, and more. Weigh the pros and cons carefully for which state seems a better fit for your goals and needs.

Similar Posts