Somerset County
For Americans thinking of retiring to Somerset County, New Jersey, from another state or instead of a move abroad. Somerset County has 356,486 residents, 67,220 of them aged 65 or older (18.9 %) (US Census Bureau, county population estimates by age, 1 July 2025). Largest places: North Plainfield, Somerville, Bound Brook (Census, 1 July 2024).
Where Somerset County stands, on the six criteria
Somerset County's own figures, each against every US county that has the same figure. Cost of living is its area's: the Bureau of Economic Analysis publishes no price level for a single county.
| Criterion | Somerset County |
|---|---|
| Cost of living BEA price level, all items (US = 100); lower is better |
112.6 Cheaper than 0% of the other 3,142 US counties
Every county in the area shares this figure. BEA Regional Price Parities 2024, all items, New York-Newark-Jersey City, NY-NJ metropolitan area · figure for 2024 · checked 2026-10-28
|
| Taxes on a retired couple state and local tax on the example retired couple, USD a year; lower is better |
no data Somerset County has no property-tax figure: the Census publishes no single median taxes paid or home value for it (too few sample cases, or a median beyond the end of its table). |
| Healthcare access share of residents 65+ living in a county with a 4- or 5-star CMS hospital; higher is better |
No hospital in the county rated 4 or 5 stars by CMS A fact for this county, not a ranking: a county without such a hospital may sit near one next door.
CMS, Hospital General Information (Care Compare), hospital overall star rating, release of 13 Aug 2026 · figure for 2026 · checked 2026-10-27
|
| Safety homicides per 100,000 a year, 2020–2024, by state of residence; lower is better |
1.4 per 100,000 a year (95% interval 0.9–2.1) Lower than 99% of the other 767 US counties
CDC WONDER, Underlying Cause of Death 2018-2024 (Single Race, final), by county of residence · figure for 2024 · checked 2026-09-24
|
| Climate months a year whose mean daily high is 18–29 °C (64–84 °F), 1981–2010; more is better |
4.0 months a year More than 7% of the other 3,143 US counties
CHELSA V2.1 monthly maximum temperature, 1981-2010 (~1 km), averaged over the county, Karger et al. · figure for 2010 · checked 2026-10-27
|
| Natural-hazard risk expected yearly loss to buildings from natural hazards, per USD $1,000 of buildings; lower is better |
USD $1.37 per USD $1,000 of buildings Lower than 47% of the other 3,143 US counties
FEMA, National Risk Index v1.20 (December 2025), county expected annual loss to buildings (EAL_VALB) · figure for 2025 · checked 2026-10-28
|
Taxes on a retired couple in Somerset County, New Jersey
The published example couple's state and local tax in Somerset County for tax year 2025, in its three parts. Only the income tax is the same across New Jersey; the property tax uses Somerset County's own Census figures.
no data — Somerset County has no property-tax figure: the Census publishes no single median taxes paid or home value for it (too few sample cases, or a median beyond the end of its table).
How New Jersey taxes each kind of retirement income, line by line
What Medicare costs in Somerset County, New Jersey
For the published example couple, both 67 and married: what Medicare premiums cost a year for two in Somerset County, New Jersey, and the most a bad year can cost. What care itself costs depends on a person's health, so it is not estimated here.
Medicare Advantage, with drug coverage
USD $4,870 a year for two in premiums (from USD $4,870)
At most USD $23,570 in a bad year (from USD $19,170), with each person's in-network out-of-pocket maximum
The middle of the 27 plans offered here; "from" is the lowest premium among them.
Original Medicare, with a drug plan
USD $7,762 a year for two in premiums (from USD $4,997)
Medigap: no federal price list — not in this total.
No yearly maximum on Original Medicare alone.
Part B for two, plus the middle of the 11 standalone drug plans offered in the state.
The 2027 Part B premium is not yet published (CMS usually publishes it in November); 2026's is used.
Source: CMS, Medicare Advantage and Part D Landscape, plan year 2027; CMS, 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, 14 Nov 2025).
Medicare in New Jersey: its Medigap rule and free counseling
Retiring to Somerset County, New Jersey: pros and cons, by the figures
Retiring to Somerset County, judged on the figures above: a pro is a figure in the top fifth of US counties, a con one in the bottom fifth. Figures in between get no verdict.
Pros
- Safety: lower than 99% of the other 767 US counties (1.4 per 100,000 a year). CDC WONDER, Underlying Cause of Death 2018-2024 (Single Race, final), by county of residence
Cons
- Climate: fewer than 61% of the other 3,143 US counties (4.0 months a year). CHELSA V2.1 monthly maximum temperature, 1981-2010 (~1 km), averaged over the county, Karger et al.
The largest places in Somerset County
By population in the county; a place split across counties counts only the part in Somerset County. We do not cover these places in depth yet.
- North Plainfield: 23,072 residents
- Somerville: 14,428 residents
- Bound Brook: 12,643 residents
US Census Bureau, Vintage 2024 sub-county population estimates (SUB-EST2024), 1 July 2024.
Would your money go further in Somerset County?
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