Jersey City NJ vs Lowell MA — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Jersey City, NJ
New Jersey · Population: 289,691
- Median HH Income$94,813
- Median Home Price$664,939
- Unemployment5.8%
- Bachelor's+53.1%
Lowell, MA
Massachusetts · Population: 114,799
- Median HH Income$76,205
- Median Home Price$484,226
- Unemployment5.4%
- Bachelor's+29.9%
Detailed Comparison
Demographics
Population
Jersey City
289,691
Jersey City +
Lowell
114,799
Pop. Density / sq mi
Lower = more space
Jersey City
N/A
Lowell
N/A
Median Age
Jersey City
34.7
Jersey City +
Lowell
35.5
Foreign Born
Jersey City
41.3%
Jersey City +
Lowell
29.5%
White
Jersey City
28.7%
Lowell
50.9%
Lowell +
Black
Jersey City
21.4%
Jersey City +
Lowell
10.8%
Asian
Jersey City
25.8%
Jersey City +
Lowell
21.1%
Hispanic
Jersey City
25.7%
Jersey City +
Lowell
19.3%
Spanish at Home
Jersey City
N/A
Lowell
N/A
| Metric | Jersey City, NJ | Lowell, MA | Better |
|---|---|---|---|
| Population | 289,691 | 114,799 | Jersey City + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 34.7 | 35.5 | Jersey City + |
| Foreign Born | 41.3% | 29.5% | Jersey City + |
| White | 28.7% | 50.9% | Lowell + |
| Black | 21.4% | 10.8% | Jersey City + |
| Asian | 25.8% | 21.1% | Jersey City + |
| Hispanic | 25.7% | 19.3% | Jersey City + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Jersey City
$94,813
Jersey City +
Lowell
$76,205
Per Capita Income
Jersey City
$57,746
Jersey City +
Lowell
$36,138
Per Capita Personal Income (MSA)
BEA MSA-level
Jersey City
$77,416
Lowell
$85,405
Lowell +
Unemployment Rate
Jersey City
5.8%
Lowell
5.4%
Lowell +
Poverty Rate
Jersey City
15.6%
Jersey City +
Lowell
16.0%
Bachelor's Degree+
Jersey City
53.1%
Jersey City +
Lowell
29.9%
| Metric | Jersey City, NJ | Lowell, MA | Better |
|---|---|---|---|
| Median HH Income | $94,813 | $76,205 | Jersey City + |
| Per Capita Income | $57,746 | $36,138 | Jersey City + |
| Per Capita Personal Income (MSA)BEA MSA-level | $77,416 | $85,405 | Lowell + |
| Unemployment Rate | 5.8% | 5.4% | Lowell + |
| Poverty Rate | 15.6% | 16.0% | Jersey City + |
| Bachelor's Degree+ | 53.1% | 29.9% | Jersey City + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Jersey City
$664,939
Lowell
$484,226
Lowell +
Homeownership Rate
Jersey City
28.8%
Lowell
44.0%
Lowell +
| Metric | Jersey City, NJ | Lowell, MA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $664,939 | $484,226 | Lowell + |
| Homeownership Rate | 28.8% | 44.0% | Lowell + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Jersey City
218
Jersey City +
Lowell
326
Property Crime / 100K
FBI CDE (state-level est.)
Jersey City
1426
Lowell
1086
Lowell +
| Metric | Jersey City, NJ | Lowell, MA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 218 | 326 | Jersey City + |
| Property Crime / 100KFBI CDE (state-level est.) | 1426 | 1086 | Lowell + |
Health
Obesity Rate
CDC PLACES
Jersey City
26.2%
Jersey City +
Lowell
27.2%
Diabetes Rate
CDC PLACES
Jersey City
9.6%
Jersey City +
Lowell
10.9%
Poor Mental Health
CDC PLACES — 14+ days/month
Jersey City
14.9%
Jersey City +
Lowell
18.5%
No Health Insurance
CDC PLACES
Jersey City
12.0%
Lowell
8.2%
Lowell +
Binge Drinking
CDC PLACES
Jersey City
16.3%
Lowell
15.1%
Lowell +
Current Smokers
CDC PLACES
Jersey City
10.3%
Jersey City +
Lowell
14.1%
| Metric | Jersey City, NJ | Lowell, MA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 26.2% | 27.2% | Jersey City + |
| Diabetes RateCDC PLACES | 9.6% | 10.9% | Jersey City + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 14.9% | 18.5% | Jersey City + |
| No Health InsuranceCDC PLACES | 12.0% | 8.2% | Lowell + |
| Binge DrinkingCDC PLACES | 16.3% | 15.1% | Lowell + |
| Current SmokersCDC PLACES | 10.3% | 14.1% | Jersey City + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Jersey City
N/A
Lowell
48.5°F
Annual Precipitation
NOAA 1991–2020 normal
Jersey City
N/A
Lowell
47.0 in
| Metric | Jersey City, NJ | Lowell, MA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | 48.5°F | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | 47.0 in | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Jersey City
8.7 µg/m³
Lowell
7.2 µg/m³
Lowell +
Good Air Days
AQI ≤ 50
Jersey City
75.0%
Lowell
75.0%
Tie
| Metric | Jersey City, NJ | Lowell, MA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.7 µg/m³ | 7.2 µg/m³ | Lowell + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Jersey City
40.3 min
Lowell
30.1 min
Lowell +
| Metric | Jersey City, NJ | Lowell, MA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 40.3 min | 30.1 min | Lowell + |
Which City is Right for You?
Jersey City leads in median household income at $94,813, while lowell offers more affordable housing with a median home price of $484,226. On public safety, Jersey City is safer with a violent crime rate of 218 per 100,000 residents, compared to 326 in Lowell. Lowell has a lower unemployment rate at 5.4%, and Lowell has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Jersey City scores better with a lower obesity rate of 26.2%.
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