New Jersey Travel Nurse Stipend Calculator
New Jersey's average GSA rates allow up to $910/week in tax-free housing plus $483/week for meals — a combined ceiling around $1,393/week. Verify any NJ stipend quote below.
Data reviewed July 3, 2026 · 50 states, 221 cities, FY2026 GSA rates
$130/night
Avg GSA Lodging
$69/day
M&IE Rate
~$1,393/wk
Combined Weekly Ceiling
$3,952/mo
Monthly Housing Allowance
Travel Nurse Pay Breakdown
Estimate your take-home pay, taxes, and blended rate in seconds.
Same state assignment. You'll pay 10.75% state tax plus 24% federal tax.
Overtime (Optional)
Blended Hourly Rate
$90.69
Based on 36 hours in NJ.
Gross Weekly Pay
$3,265
Taxable Weekly Income
$1,872
Estimated Weekly Taxes
$651
True Net Weekly Pay
$2,614
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Assignment Projections
13-Week Assignment
$33,988
Net Pay
26-Week Assignment
$67,976
Net Pay
Annual (52 weeks)
$135,953
Net Pay
Take Home vs Taxes
Take Home
$2,614
per week
Taxes
$651
per week
Total Gross: $3,265 per week
🏠 Housing Stipend Analysis
Your Weekly Housing Stipend
$910
≈ $3,940/month
Est. 1BR Rent in New Jersey
$1,500
Monthly average
✅ Potential Tax-Free Pocket Money
+$2,440
Your stipend covers rent with $2,440 left over each month.
Find apartments under $1,500/month in Newark:
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Cost of Living Analysis in New Jersey
After rent, this is what you'll have left each month for other expenses
National average = 100. New Jersey's cost of living is higher than the national average by 20.4 points.
💡 High cost of living area. Ensure your pay compensates for the increased expenses.
Housing Cost: High
Utilities: High
Rent data based on 2025 market averages. Actual rent may vary by neighborhood and housing type.
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Stipend vs Rent by New Jersey City
Monthly GSA housing allowance against average one-bedroom rent — positive margin means the max stipend more than covers housing.
| City | GSA Lodging/mo | 1BR Rent | Margin |
|---|---|---|---|
| Jersey City | $3,952 | $1,000 | +$2,952/mo |
| Newark | $3,952 | $1,000 | +$2,952/mo |
| Paterson | $3,952 | $1,000 | +$2,952/mo |
New Jersey Stipend Questions
What is the maximum housing stipend in New Jersey?
Stipend ceilings follow GSA per diem rates, set per city. New Jersey's average GSA lodging rate is $130/night — about $910/week or $3,952/month in tax-free housing allowance. Add the $69/day M&IE rate and the combined weekly ceiling is roughly $1,393. Individual cities run higher or lower.
Is my New Jersey stipend offer good?
Compare it to two numbers: the GSA ceiling for the assignment city (offers at the ceiling are maxed; offers well below have negotiating headroom) and the local one-bedroom rent (a stipend above rent is tax-free profit). The table on this page shows both for every New Jersey city we track.
Are travel nurse stipends taxable in New Jersey?
Stipends are federal-tax-free (and state-tax-free) when you maintain a qualifying tax home and work far enough away to need overnight lodging — the state doesn't change the IRS rules. Amounts above the GSA ceiling for your assignment ZIP are generally treated as taxable wages.
Which New Jersey cities have the best stipend margin?
Jersey City currently has the best margin we track in New Jersey — the monthly GSA lodging allowance runs $2,952 above average one-bedroom rent. See the full city table above and the GSA Rate Explorer for all 221 cities nationally.