๐Ÿ’ฐ COL Index: 113 โ€” Near Avg Cost

Salaries in Clifton, NJ

What every job actually pays โ€” cost-of-living adjusted

Updated: February 2026 ยท 40 occupations ยท BLS + Census data

Avg. Salary
$56,421
across 40 roles
COL-Adjusted Avg
$50,152
real purchasing power
Top Paying Role
Software Developer
$132,032
1BR Rent
$1,743
median monthly

Hereโ€™s something you donโ€™t hear often about Clifton: itโ€™s a city where a software developer can earn $132,000, but the average salary across all jobs barely cracks $56,000. That gap tells you everything about whoโ€™s actually winning here in 2026.

Letโ€™s get real about what that $98,598 median household income actually buys you. Cliftonโ€™s cost of living sits at 112.5, meaning youโ€™re paying about 12.5% more than the national average for groceries, utilities, and that $1,743 one-bedroom rent. When you adjust those top salaries for this premium, that $132k developer job feels more like $117kโ€”and the average take-home drops to a sobering $50,152. Itโ€™s not exactly a bargain, but itโ€™s not Manhattan prices either.

So whoโ€™s thriving? The cityโ€™s employment anchors are in healthcare, education, and skilled trades. Youโ€™ve got Clifton Public Schools as a major employer for teachers, while the proximity to NYC pulls in finance and accounting talent. The 4.2% unemployment rate suggests jobs are there, but the 35.9% bachelorโ€™s degree rate tells you the city isnโ€™t a white-collar hubโ€”yet. Iโ€™ve seen a surprising number of electricians and RNs doing really well here, which is a reminder that you donโ€™t always need a corporate title to make a solid living.

Hereโ€™s my honest take: Cliftonโ€™s wages arenโ€™t keeping pace with its cost creep. If youโ€™re in tech or healthcare, youโ€™ll be comfortable. If youโ€™re in a role that pays closer to the city average, youโ€™re probably feeling squeezed. For young families or commuters who want more space than Jersey City offers, this place can workโ€”but youโ€™ll need to budget carefully.

The data below breaks down exactly what each profession makes, both raw and adjusted. Use it to figure out if Clifton fits your wallet.

๐Ÿ† Top 5 Highest-Paying Jobs in Clifton

Ranked by raw salary. See COL-adjusted figures in the full table below.

๐Ÿฅ‡ +4% vs national

Software Developer

$132,032
๐Ÿ’ก COL-Adjusted $117,362
โฑ Hourly $63.48/hr
๐Ÿ“ˆ Job Growth +17.0%
๐Ÿฅˆ +4% vs national

Accountant

$89,307
๐Ÿ’ก COL-Adjusted $79,384
โฑ Hourly $42.94/hr
๐Ÿ“ˆ Job Growth +3.0%
๐Ÿฅ‰ +4% vs national

Registered Nurse

$89,297
๐Ÿ’ก COL-Adjusted $79,375
โฑ Hourly $42.93/hr
๐Ÿ“ˆ Job Growth +6.0%
4๏ธโƒฃ +4% vs national

Elementary School Teacher

$66,057
๐Ÿ’ก COL-Adjusted $58,717
โฑ Hourly $31.76/hr
๐Ÿ“ˆ Job Growth +3.0%
5๏ธโƒฃ +4% vs national

Electrician

$63,858
๐Ÿ’ก COL-Adjusted $56,763
โฑ Hourly $30.70/hr
๐Ÿ“ˆ Job Growth +3.0%

๐Ÿ“‹ Complete Salary Guide โ€” All 40 Occupations in Clifton

COL-Adjusted Salary = Raw salary divided by the cost of living index (113/100). Higher = more real purchasing power. This city's COL is above the US average.

# Occupation โ†• Raw Salary โ†•
1 Software Developer $132,032
2 Accountant $89,307
3 Registered Nurse $89,297
4 Elementary School Teacher $66,057
5 Electrician $63,858
6 Real Estate Agent $63,785
7 Heavy Truck Driver $55,080
8 Nail Technician $51,874
9 Cosmetologist $51,874
10 Personal Trainer $51,874
11 Chef/Head Cook $51,874
12 Auto Mechanic $51,874
13 Veterinary Technician $51,874
14 Project Manager $51,874
15 Police Officer $51,874
16 Data Analyst $51,874
17 Graphic Designer $51,874
18 Loan Officer $51,874
19 Medical Assistant $51,874
20 Insurance Agent $51,874
21 Carpenter $51,874
22 Physical Therapist $51,874
23 Human Resources Specialist $51,874
24 Financial Analyst $51,874
25 Pharmacist $51,874
26 HVAC Technician $51,874
27 Nursing Assistant (CNA) $51,874
28 Construction Manager $51,874
29 Web Developer $51,874
30 Dental Hygienist $51,874
31 Marketing Manager $51,874
32 Firefighter $51,874
33 Plumber $51,874
34 Paralegal $51,874
35 Welder $51,874
36 Social Worker $51,874
37 Pharmacy Technician $51,874
38 Dental Assistant $51,874
39 Licensed Practical Nurse (LPN) $51,874
40 Security Guard $37,495

Source: Bureau of Labor Statistics Occupational Employment Statistics. COL Index from C2ER/ACCRA.

๐Ÿ™๏ธ Living Costs in Clifton

๐Ÿ 
1BR Rent
$1,743/mo
๐Ÿก
2BR Rent
$2,178/mo
๐Ÿ˜๏ธ
Median Home
$600,000
๐Ÿ“‰
Unemployment
4.2%
๐Ÿ’ณ
Median Income
$98,598
๐ŸŽ“
College Educated
36%
๐Ÿšถ
Walk Score
35/100
๐Ÿ“Š
Cost of Living
113
Near Avg Cost

๐Ÿงฎ Can You Afford to Live in Clifton?

Use our Salary Reality Check to see if your specific income covers housing, taxes, and expenses in Clifton. Enter your salary and see exactly how far your money goes.

โ“ Clifton Salary FAQ

What is the average salary in Clifton, NJ?

โ–ผ
The average salary across 40 occupations in Clifton is $56,421 as of 2026. This average is below the median household income of $98,598, indicating that many households rely on multiple earners or higher-paying roles. The city's cost of living index is 112.5.

What jobs pay the most in Clifton?

โ–ผ
The highest-paying role in Clifton is Software Developer, with an average salary of $132,032 in 2026. This salary is more than double the city's overall average of $56,421 across 40 occupations. The high COL index of 112.5 means this salary still has less purchasing power than in average-cost areas.

Is Clifton affordable on a Software Developer salary?

โ–ผ
Yes, a Software Developer salary of $132,032 is sufficient for comfortable living in Clifton. With a 1BR rent of $1,743/month, housing costs would be about 16% of the gross monthly income, well below the recommended 30% threshold. This leaves substantial room for other expenses and savings despite the COL index of 112.5.

How does Clifton's cost of living affect my paycheck?

โ–ผ
Clifton's cost of living index of 112.5 means expenses are 12.5% higher than the national average. For a salary of $56,421, this reduces purchasing power by approximately $7,053 annually compared to an average-cost area. The primary driver is housing, with 1BR rent at $1,743/month consuming a significant portion of take-home pay.

What salary do you need to live comfortably in Clifton?

โ–ผ
To live comfortably in Clifton, a single person should aim for a salary around $85,000 to $95,000 annually. This comfortably covers the $1,743/month 1BR rent (under 25% of gross income) and accounts for the 112.5 cost of living index. This range aligns with the median household income of $98,598, suggesting it's a realistic target for comfortable living.

๐Ÿ“ Editor's Verdict: Is Clifton Worth It?

Honestly, Clifton isnโ€™t a slam dunk financially. The COL index at 112.5 and $1,743 rent chew into an average salary of $56,421; youโ€™ll feel the squeeze unless youโ€™re in a high-earning lane. The clear winner here is techโ€”Software Developer at $132,032, still $117,362 after cost-of-living adjustments. Healthcare can be okay if youโ€™re experienced, and trades do fine if you land union gigs or overtime, but the average worker will be budget-tight. If youโ€™re considering the move, donโ€™t come without a job offer that beats the average by at least 20%โ€”otherwise, your quality of life will lag. Clifton can work, but it rewards the specialized and the strategic, not the generalist.

Explore Clifton Further