Garfield Hourly Wage & Salary 2026
Garfield, NJ: $32.77/hr median hourly wage, $68,163 median annual salary, cost of living index 123.7, and $15.13/hr minimum wage. Calculate take-home pay with federal and New Jersey taxes.
Garfield Hourly Wage Quick Answer
The median hourly wage in Garfield, NJ is $32.77/hr, equivalent to $68,163 per year at 2,080 work hours. Entry-level pay estimates around $20.32/hr, senior-level pay estimates around $46.53/hr, and the local minimum wage is $15.13/hr.
Median Salary
$68,163
$32.77/hr
Cost of Living
123.7
US avg = 100
Minimum Wage
$15.13
per hour
Unemployment
4.2%
rate
Garfield, NJ Overview
Population
32,318
Median Salary
$68,163
Average Salary
$76,343
Avg Commute
16 min
Median Home Price
$416,000
Median Rent
$1,680/mo
Job Growth
+1.4%
Sales Tax
6.625%
Garfield is located in New Jersey with a population of 32,318. The median household salary is $68,163 per year ($32.77/hour), which is $8,779 above the national median of $59,384. The average commute time is 16 minutes, and the city has a job growth rate of +1.4%.
Garfield Salary by Experience Level (2026)
Wage distribution in Garfield, NJ based on BLS percentile breakdown of the $68,163 median salary. Entry-level represents 10th–25th percentile; mid-level is the median; senior-level represents 75th–90th percentile.
| Experience Level | Annual Salary | Hourly Wage | Years Exp |
|---|---|---|---|
| Entry-Level | $42,261 | $20.32/hr | 0–2 years |
| Mid-Level (Median) | $68,163 | $32.77/hr | 3–7 years |
| Senior-Level | $96,791 | $46.53/hr | 8–15 years |
| Top 10% (90th Percentile) | $121,330 | $58.33/hr | 15+ years / leadership |
Percentile multipliers (62%, 100%, 142%, 178%) derived from 2024 BLS Occupational Employment and Wage Statistics distribution across all occupations in metro areas. Specific roles vary; see jobs by city for role-specific data.
Garfield Paycheck Calculator
Enter your annual salary to see your estimated take-home pay in Garfield, NJ, after federal, state, and local taxes.
Estimated Annual Take-Home Pay
$50,668
$4,222.37/month · $1,948.79/biweekly · Effective Rate: 25.7%
Gross Pay
$68,163
Federal Tax
-$6,166
State Tax
-$6,114
Local Tax
$0
FICA
-$5,214
Net Pay
$50,668
Pay Breakdown
| Item | Monthly | Annual |
|---|---|---|
| Gross Salary | $5,680.25 | $68,163.00 |
| Federal Income Tax | -$513.82 | -$6,165.86 |
| New Jersey State Tax (8.97%) | -$509.52 | -$6,114.22 |
| Social Security (6.2%) | -$352.18 | -$4,226.11 |
| Medicare (1.45%) | -$82.36 | -$988.36 |
| Net Take-Home Pay | $4,222.37 | $50,668.45 |
Salary Comparison: Garfield vs Other Cities
See how Garfield's median salary and cost of living compare to the national average and similar cities.
| City | Median Salary | COL Index | Adj. Salary |
|---|---|---|---|
| Garfield, NJ | $68,163 | 123.7 | $55,103 |
| National Average | $59,384 | 100 | $59,384 |
| Shelton, CT | $68,185 | 105 | $64,938 |
| Crofton, MD | $68,241 | 117.7 | $57,979 |
| Westminster, CA | $68,304 | 154.3 | $44,267 |
| Highland, CA | $68,306 | 148.9 | $45,874 |
Adjusted salary reflects purchasing power when cost of living is factored in. A higher adjusted salary means your money goes further.
Cost of Living in Garfield
Garfield's cost of living index is 123.7 (national average = 100). Living in Garfield is 23.700000000000003% more expensive than the national average.
Median Home Price
$416,000
Median Monthly Rent
$1,680
Annual Rent Cost
$20,160
Your Salary's Purchasing Power
Your $50,668 annual take-home pay in Garfield has the purchasing power of approximately $40,961 in an average-cost US area. You would need to earn $84,318 in Garfield to match a $68,163 salary in an average-cost city.
Top Industries in Garfield
Garfield's economy is driven by these key industries. Workers in top industries often earn significantly above the median salary of $68,163.
Salary Tips for Garfield Workers
- Negotiate for cost of living. Garfield has a cost of living 23.700000000000003% above the national average. When negotiating salary, factor in the higher housing and living costs to ensure your real purchasing power stays competitive.
- Maximize pre-tax deductions. With a 8.97% state income tax rate, maximizing 401(k) contributions (up to $24,500 in 2026) and HSA contributions can significantly reduce both your federal and state tax burden.
- Research top industries. Garfield's top industries include Pharmaceuticals, Finance, Logistics. Targeting roles in these sectors can help you earn above the $68,163 median salary.
- Review your W-4 withholding. If you regularly receive large tax refunds, adjust your W-4 to increase your per-paycheck take-home pay instead of giving the government an interest-free loan.
Methodology & Local Economy Data Sources
How we calculate Garfield salary data: Our citywide compensation figures aggregate occupation-specific salary data from BLS Occupational Employment and Wage Statistics for the Garfield-NJ metropolitan statistical area (MSA), weighted by local employment counts. Cost-of-living adjustments use the C2ER Cost of Living Index baseline of 100 (national average), with Garfield indexed at 123.7.
- Median salary calculation: weighted average of Garfield's occupation-specific medians from BLS OEWS, adjusted for local cost of living. Net result: $68,163 annual median.
- Tax burden reflects New Jersey state income tax (8.97%) (no local income tax), sales tax (6.625%), and federal taxes per IRS 2026 brackets.
- Unemployment rate for Garfield: 4.2%, sourced from BLS Local Area Unemployment Statistics (LAUS).
- Top industries: Pharmaceuticals, Finance, Logistics — based on QCEW employment concentration data.
- Job growth: 1.4% projected through 2034, derived from BLS Employment Projections program for New Jersey.
- Housing context: median home price $416,000, median rent $1,680/mo, sourced from Census American Community Survey 5-year estimates.
Authoritative US data sources for Garfield, NJ:
- BLS Occupational Employment and Wage Statistics (OEWS) — metropolitan area salary data
- BLS Local Area Unemployment Statistics — Garfield unemployment rate
- U.S. Census Bureau — Garfield QuickFacts — population, housing, demographics
- BLS Quarterly Census of Employment and Wages (QCEW) — county-level industry employment
- BLS Economy at a Glance — New Jersey — state economic indicators
- U.S. Bureau of Economic Analysis (BEA) — local GDP and personal income data
- BLS Consumer Price Index (CPI-U) — regional inflation tracking
Disclaimer: Salary and cost data are estimates for general guidance. Individual compensation varies by employer, experience, education, negotiation, and skills. Garfield's rapidly changing economy can shift these baselines — always verify with current job listings, employer offers, and recent New Jersey labor market reports for the most current figures.
Reviewed by Brazora Monk· Last updated 2026 · BLS & Census data current as of latest releases
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Frequently Asked Questions
What is the hourly wage in Garfield, NJ?
The median hourly wage in Garfield, NJ is $32.77 per hour. At a standard 2,080-hour work year, that equals about $68,163 per year. Entry-level workers are estimated around $20.32/hr, while senior-level workers are estimated around $46.53/hr before overtime, bonuses, or benefits.
What is the median salary in Garfield, NJ?
The median salary in Garfield, NJ is $68,163 per year, or $32.77 per hour. The average salary is $76,343. This is $8,779 above the national median of $59,384.
What is the cost of living in Garfield, NJ?
Garfield's cost of living index is 123.7 (national average = 100), meaning it is 23.700000000000003% more expensive compared to the national average. The median home price is $416,000 and the median monthly rent is $1,680.
What are the best industries in Garfield?
The top industries in Garfield, NJ include Pharmaceuticals, Finance, Logistics. The city has a job growth rate of 1.4% and an unemployment rate of 4.2%. Workers in these industries often earn above the city's median salary of $68,163.
How does Garfield's salary compare to other cities?
Garfield's median salary of $68,163 is 14.8% above the national median of $59,384. However, when adjusted for cost of living (index: 123.7), the real purchasing power is approximately $55,103.
What is the minimum wage in Garfield, NJ?
The minimum wage in Garfield, NJ is $15.13 per hour. This equals approximately $31,470 per year for a full-time worker (40 hours/week). This is $7.88 above the federal minimum wage of $7.25/hour.