Not Enough To Live On

This report discusses the demographic and socio-economic characteristics of New Jersey residents with inadequate incomes according to research on the Real Cost of Living (RCL) in New Jersey. The report builds on the RCL report series that was inaugurated in 1999 and most recently updated in 2008, and uses the alternative measure of income sufficiency calculated in these reports to analyze the characteristics of three different groups — those with incomes below the federal poverty level, those with incomes above the federal poverty levels but below the RCL and those with incomes above the RCL. This analysis provides a more accurate estimate of households whose incomes fall short of self-sufficiency and how they compare to other, more economically-stable groups. Factors such as employment, demographic characteristics, educational attainment and geographic distribution of income inadequacy across the state are examined to provide insight into patterns income insufficiency in the state and policy choices that will help improve the economic situation of households that lack essential financial resources. The report’s unit of analysis is households rather than individuals, and the Study Population is restricted to households with working-age adults that have no work-inhibiting disability.​​