Salario de Médico en New Jersey (2026)
El salario promedio de un Médico en New Jersey es de $268,000/año. Después de impuestos, tu sueldo neto estimado es de $180,117/año ($15,010/mes).
Desglose del Sueldo Neto
| Categoría | Cantidad |
|---|---|
Sueldo Neto Anual | $180,117 |
Sueldo Neto Mensual | $15,010 |
Sueldo Neto Quincenal | $6,928 |
Sueldo Neto por Hora basado en 2,080 hrs/año | $87/hr |
Impuesto Federal | $57,064 |
Impuesto Estatal | $14,882 |
Impuestos FICA | $15,937 |
Tasa Efectiva de Impuesto impuestos totales ÷ salario bruto | 32.79% |
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Rangos de Salario de Médico en New Jersey
No todas las Médicos ganan lo mismo — ni de cerca
NJ physician comp concentrates in three regions plus the cross-Hudson NYC commute path. North Jersey is RWJBarnabas + Hackensack Meridian + Atlantic Health (Morristown / Overlook / Newark Beth Israel + Hackensack University Medical Center + Jersey Shore). Central / Princeton is RWJBarnabas (Robert Wood Johnson New Brunswick) + Penn Medicine Princeton. South Jersey is Cooper University Health Care (Camden — academic) + Inspira + Virtua. Real ranges by specialty in 2026:
Orthopedic Surgeon
$560,000–$760,000
Hackensack Meridian + Cooper sports medicine + private practice premium
Neurosurgeon
$620,000–$850,000
Cooper Neurological Institute + Hackensack + RWJBarnabas top centers
Cardiologist (Interventional)
$485,000–$665,000
Atlantic Health Gagnon Cardiovascular + Hackensack + RWJ
Radiologist
$430,000–$575,000
NJ + cross-Hudson NYC market robust; teleradiology growing
Anesthesiologist
$395,000–$525,000
CRNA market growing; Cooper pediatric anesthesia premium
Emergency Medicine
$345,000–$435,000
Cooper Trauma I (Camden) + Hackensack Trauma I + Newark University Hospital
Psychiatrist
$290,000–$395,000
Severe shortage; cross-Hudson NYC private-practice attracts many NJ residents
OB/GYN
$300,000–$400,000
NJ med-mal climate moderate-high; Hackensack + RWJ high-risk OB depth
Pharma Corporate Medical
$310,000–$485,000
J&J / Merck / BMS / Pfizer NJ medical affairs + clinical development roles
Internal Medicine / Hospitalist
$250,000–$330,000
Volume-based; nocturnist adds $35-50K
Vale la pena saber: The pharma corporate medical career path is structurally unique to New Jersey — Johnson & Johnson, Merck, Bristol Myers Squibb, Pfizer, Bayer, Sanofi all run substantial in-house medical affairs + clinical development organizations employing physicians at $310-485K base + bonus + . The Big Pharma → academic-faculty cross-appointment + the Cooper Medical School of Rowan University academic ecosystem create research-physician hybrid roles not available in most regional markets.
The NJ physician market and the cross-Hudson NYC commute dynamic
~28,000
Active physicians for 9.3M residents — among the higher physician-density states
12.25%
NJ top state rate (10.75% + 1.5% millionaire surtax above $1M) — second-highest in country
$310-485K
Pharma corporate medical roles (J&J / Merck / BMS / Pfizer) — structurally unique to NJ
New Jersey has roughly 28,000 active physicians for 9.3 million residents — among the higher physician-to-population ratios in the country, reflecting both NJ's dense academic + community medicine and the cross-Hudson NYC commute path that draws NJ residents to NY-side hospital employers.
Signing bonuses of $30,000-$100,000 are standard at RWJBarnabas, Hackensack Meridian, Atlantic Health, and rural / underserved NJ HPSA-designated areas. The Primary Care Practitioner Loan Redemption Program offers up to $120,000 forgiveness for primary care physicians serving in NJ HPSA areas.
The cross-Hudson NYC commute path is structurally important. NJ-resident physicians working at NYC hospitals (Mt Sinai, NYU Langone, Memorial Sloan Kettering, Columbia, Weill Cornell, Hospital for Special Surgery) pay NY tax first via reciprocity + NJ credit applied — net effective rate is roughly 8-10% combined depending on bracket. Many North Jersey academic physicians choose NYC employment + NJ residence for the housing arbitrage vs Manhattan.
Locum tenens rates: hospitalists $160-$220/hour; ER physicians $200-$280/hour. NJ + cross-Hudson NYC together form one of the densest locum / per-diem markets in the country.
New Jersey as a place to live — what actually matters for physicians
New Jersey is essentially three physician markets — North Jersey (Hackensack Meridian + Atlantic Health + RWJBarnabas Newark), Central / Princeton corridor (RWJBarnabas New Brunswick + Penn Medicine Princeton + pharma corporate medical), and South Jersey (Cooper University Health Care + Inspira + Virtua). Cross-Hudson NYC employment via NJ Transit / PATH is the structural fourth option for North Jersey residents.
NJ progressive 1.4-10.75% with 1.5% millionaire surtax (12.25% top above $1M) is the second-highest US top rate. The structural NJ catch every physician works around is non-conformity to federal pre-tax / / — NJ taxes the contributions at the state level. NJ + CA are the only two states with HSA non-conformity. Property tax 2.21% effective is the worst in the country.
What New Jersey offers in return: dense academic + community medicine within 90 minutes of any NJ residence, structurally unique pharma corporate medical career path (J&J, Merck, BMS, Pfizer), cross-Hudson NYC career mobility, NJ retirement-income exemption ($100K under $150K ) for staff and manager-tier retirees. Jersey Shore summer access + 2-hour drive to Philadelphia / NYC / Pocono Mountains. Late-career PA relocation (full retirement exemption + 3.07% flat + cheap property) is structural for partner-tier comp.
How New Jersey taxes work for physicians (and where the moves matter)
NJ progressive 1.4-10.75% + 1.5% millionaire surtax (12.25% top) means a $250K new attending owes ~$13,500; a $450K specialist ~$30,000; a $700K surgical subspecialist ~$54,000; partners clearing $1M+ pay full 12.25% above $1M. Combined federal + NJ + Medicare marginal rate at $500K is ~45-47% — meaningfully higher than NC's 40-42% or PA's 39-41%. The structural NJ catch is non-conformity to federal pre-tax / / — NJ taxes contributions at the state level. For a $450K specialist maxing 401(k), the cumulative NJ non-conformity penalty runs $75-150K over a 30-year career.
eligibility is broad. RWJBarnabas, Hackensack Meridian, Atlantic Health, Cooper, Inspira, Virtua all qualify. Cross-Hudson NYC employers (Mt Sinai, NYU Langone, MSK, Columbia, Weill Cornell, HSS) are also PSLF-qualifying for NJ-resident NYC-employed physicians.
NJ retirement income exemption is the saving grace for late-career planning: NJ excludes pension / / IRA / Social Security income up to $100K for filers under the $150K threshold. Married couples can each claim, so the combined exemption is $100K aggregate (NOT $200K). For a senior physician retiring with $50-80K of 401(k) + Social Security, NJ state tax on retirement income may be zero. Higher-income retirees ($150K+ AGI) lose the exemption to phase-out — model distribution timing carefully. The Pocono / Bucks County / Lehigh Valley relocation play is the dominant late-career pattern for senior NJ physicians at $1M+ comp who would otherwise pay 12.25% top through retirement.
Pharma corporate medical roles are structurally important for NJ tax planning. J&J, Merck, BMS, Pfizer pay base + bonus + — RSU vesting creates concentrated single-year liquidity events hitting NJ's top brackets. Many pharma medical directors structure RSU grants + executive deferred compensation to manage NJ tax exposure across the 12.25% threshold. NJ pre-tax non-conformity makes pharma + non-qualified deferred comp planning more complex than PA next door.
- →Max anyway despite NJ non-conformity — federal savings ($10,000+/year at $450K marginal) outweigh NJ state-level cost; compounding pre-tax growth wins long-term.
- → eligibility verification: RWJBarnabas, Hackensack Meridian, Atlantic Health, Cooper, Inspira, Virtua, plus cross-Hudson NYC employers (Mt Sinai, NYU, MSK, Columbia, Weill Cornell, HSS) all qualify. Annual employer certification.
- →Property tax appeal — Bergen / Morris / Somerset / Middlesex counties have formal appeal processes; saves $2,000-$5,000/year on $700K+ physician homes; many partners file every cycle.
- →Backdoor Roth IRA ($7,500 in 2026) — required at attending income; Direct Roth phased out ~$146K single.
- →Defined-benefit / cash-balance plan for surgical subspecialists at $700K+ private-practice — shelters $150-250K/year on top of profit-sharing.
- →Retirement-income exemption planning — keep below $150K NJ threshold for full $100K exemption; Roth conversions in lower-income years.
- →Pocono / Bucks / Lehigh PA relocation — primary residence in PA while keeping NJ-NYC employment captures PA full retirement exemption + 3.07% flat; structural late-career move at partner tier.
Three New Jersey physician markets — what each one looks like
New Jersey's physician geography splits between North Jersey academic + community + cross-Hudson NYC, Central / Princeton corridor + pharma corporate medical, and South Jersey + Cooper academic.
North Jersey (Hackensack Meridian / Atlantic Health / RWJBarnabas Newark)
Attending: Hospitalist $260K-$340K · Specialist $390K-$610K · Surgical subspecialist $580K-$870K+Hackensack Meridian Health (~17 hospitals, including Hackensack University Medical Center + Jersey Shore University Medical Center), Atlantic Health System (Morristown Medical Center + Overlook + Newton + Chilton), RWJBarnabas Newark Beth Israel + Saint Barnabas Medical Center. Cross-Hudson NYC employers via NJ Transit / PATH (Mt Sinai, NYU Langone, MSK, Columbia, Weill Cornell, HSS) draw substantial North Jersey residents. Workforce housing in Bergen County (Ridgewood, Glen Rock, Tenafly), Morris County (Madison, Chatham, Summit), or Hudson County (Hoboken / Jersey City for cross-Hudson commute). Premium school districts $700K-$1.4M.
North Jersey is NJ's densest physician market — academic + community + cross-Hudson NYC mobility within 60-90 minutes. Many North Jersey academic physicians choose NYC employment + NJ residence for housing arbitrage.
Central / Princeton corridor (RWJBarnabas New Brunswick / Penn Medicine Princeton / pharma corporate medical)
Attending: Hospitalist $255K-$335K · Specialist $385K-$600K · Pharma medical $310K-$485KRobert Wood Johnson University Hospital New Brunswick (RWJBarnabas academic anchor, Rutgers Robert Wood Johnson Medical School affiliate), Penn Medicine Princeton (academic, formerly Princeton Health), Cooper University Health Care affiliated practices. The pharma corporate medical career path is structurally unique — Johnson & Johnson (New Brunswick HQ), Merck (Rahway), Bristol Myers Squibb (Princeton + New Brunswick), Pfizer NJ (Peapack-Gladstone), Bayer (Whippany), Sanofi (Bridgewater) all employ physicians in medical affairs + clinical development roles. Princeton-area housing $750K-$1.3M (West Windsor, Princeton Junction, Hopewell, Lawrence).
Princeton corridor is the pharma corporate medical epicenter for the country — no other US region has the density of Big Pharma medical affairs employment. The Big Pharma → academic-faculty cross-appointment career path creates research-physician hybrid roles unique to this geography.
South Jersey (Cooper University Health Care / Inspira / Virtua)
Attending: Hospitalist $240K-$320K · Specialist $370K-$575K · Surgical subspecialist $545K-$810KCooper University Health Care (Camden — academic, Cooper Medical School of Rowan University, MD Anderson Cancer Center at Cooper, Trauma Level I), Inspira Health (Vineland / Mullica Hill / Woodbury), Virtua Health (Marlton / Voorhees / Mount Holly), Penn Medicine Cherry Hill cross-river. South Jersey housing $450-650K — meaningfully cheaper than North Jersey or Princeton corridor. Bucks County PA exurban (Newtown, Doylestown, Yardley) is increasingly common for South Jersey-employed physicians seeking PA's flat 3.07% + retirement exemption.
Cooper University Health Care has emerged as the major South Jersey academic anchor — Cooper Medical School of Rowan University (one of the newer US medical schools, opened 2012) + MD Anderson Cancer Center at Cooper + Cooper Heart Institute. The Bucks County PA cross-river relocation is structural for senior South Jersey physicians.
The New Jersey physician career arc — residency to retirement
NJ physician careers typically start in residency at $70K-$95K (PGY1-PGY7). Rutgers RWJ Medical School, Cooper Medical School of Rowan, Hackensack Meridian SOM, Atlantic Health residencies + cross-Hudson NYC residencies all run -qualifying programs. NJ's high cost-of-living during residency is real — most residents stack moonlighting / per-diem work and take housing roommates well past age 30.
Years 1-5 as an attending are the foundation phase. Hospitalist starting comp $260K-$340K; specialist $385K-$525K; surgical subspecialist $580K-$725K. Pharma corporate medical starting $310K-$425K. Most NJ new attendings max , complete Backdoor Roth annually, and continue payments. Decision points: NJ academic faculty (10-20% below private), NJ employed-physician, pharma corporate medical (-heavy), cross-Hudson NYC academic + private-practice. The NJ pre-tax non-conformity penalty starts immediately at attending tier.
Years 5-15 are the peak earning band. Established specialists clear $470K-$680K; surgical subspecialists at major centers clear $750K-$1.1M+. Pharma corporate medical Senior / Executive Medical Director $385K-$650K + + bonus. Partner-track typically completes years 5-10 — buy-in $100K-$400K, partner comp adds $150K-$300K above associate. becomes meaningful at this comp band, but NJ's pre-tax non-conformity reduces state-level value vs PA / NY peers.
Late career (years 15+) is where NJ's structural tax math forces the relocation conversation. By age 55-60, most senior NJ physicians have $2M-$5M+ in pre-tax accounts. NJ taxes retirement income above the $150K threshold at full 6.37-10.75% rates — a physician withdrawing $300K/year pays $25-35K/year in NJ state tax. Property tax adds $20-35K/year on physician-tier housing. Many senior NJ physicians execute Pocono / Bucks County PA relocation 2-5 years before retirement — PA full retirement exemption + 3.07% flat + 1.4-1.6% property tax saves $40-80K/year vs staying. NJ → PA → FL / NC is the dominant exit pattern. Some senior physicians stay through partner-tier peak earning years because cross-Hudson NYC + pharma corporate medical comp are structurally hard to replicate, then relocate at retirement.
Where physicians actually live in New Jersey
The hospitals are spread across NJ's narrow geography — Hackensack University Medical Center + Atlantic Health Morristown / Overlook + RWJBarnabas Newark in North Jersey, RWJ New Brunswick + Penn Princeton in central, Cooper Camden + Inspira / Virtua in South Jersey — but NJ physicians overwhelmingly live in suburban communities chosen for school district + commute math. North Jersey physicians cluster heavily in Bergen County (Ridgewood, Glen Rock, Tenafly, Englewood — proximity to Hackensack + cross-Hudson NYC commute via NJ Transit) and Morris County (Madison, Chatham, Summit — proximity to Atlantic Health Morristown + NJ Transit Manhattan commute). Hudson County (Hoboken, Jersey City) is the urban-NJ option for younger attendings prioritizing cross-Hudson NYC commute over family-stage suburban. Central NJ physicians settle West Windsor, Princeton Junction, Hopewell, Lawrence (Princeton corridor + RWJBarnabas New Brunswick access). South Jersey physicians live in Cherry Hill, Voorhees, Mount Laurel (Cooper + Virtua / Inspira access) or increasingly Bucks County PA cross-river (Newtown, Doylestown, Yardley) for PA's flat 3.07% + cheap property tax structural advantage.
Ridgewood / Glen Rock (Bergen)
Top-tier suburban schools · Hackensack 15 min · NJ Transit to Manhattan · $750K-$1.4M
Madison / Chatham (Morris)
Top schools · Atlantic Health Morristown access · NJ Transit · $750K-$1.5M
Hoboken / Jersey City (Hudson)
Urban NJ · 15-30 min Manhattan via PATH · $750K-$1.5M condos · cross-Hudson optionality
West Windsor / Princeton Junction
Princeton corridor · top schools · RWJ New Brunswick access · $750K-$1.3M
Cherry Hill / Voorhees (Camden)
South Jersey · Cooper + Virtua access · $450-700K · Philly cross-river
Bucks County PA exurban (Newtown, Doylestown)
PA flat 3.07% + retirement exemption · 1.4-1.6% property tax · 45 min to NJ employers
Suburb selection in NJ is a school district + property tax + commute decision compounded by the structural NJ tax pain. The top-tier school districts — Ridgewood, Glen Rock, Tenafly (Bergen); Millburn / Short Hills, Summit, Chatham, Madison (Essex / Morris / Union); West Windsor-Plainsboro (Mercer); Cherry Hill, Voorhees (Camden) — all carry premium $700K-$1.4M home prices AND 2.0-2.6% effective property tax rates that compound to $14K-$36K/year property tax bills. Many NJ physicians explicitly file property tax appeals every reassessment cycle. Cross-Hudson NYC commute via NJ Transit + PATH supports the dual NJ-residence / NY-employed academic career path that's structurally unique to this region. The NJ → PA exurban migration is real and increasingly accelerating — Bucks County, Lehigh Valley, and Pocono PA all draw senior NJ physicians at the manager-promotion or partner-track stage. Many physicians describe the NJ structural tax pain as the most real cost of practice — not unmanageable at staff or manager comp, but increasingly punishing as comp moves above $700K. Climate is northeast four-season; Jersey Shore summer access and NYC / Philadelphia day-trip access are real lifestyle assets.
¿Es la decisión correcta?
Should you practice medicine in New Jersey?
A tu favor
- +Pharma corporate medical career path (J&J, Merck, BMS, Pfizer) is structurally unique to NJ — no other US region matches
- +Cross-Hudson NYC career mobility — NJ residence + NY employment via reciprocity is real arbitrage
- +Dense academic + community medicine within 90 minutes of any NJ residence
- +RWJBarnabas + Hackensack Meridian + Atlantic Health all PSLF-qualifying with deep specialty programs
- +NJ retirement-income exemption ($100K under $150K AGI threshold) is meaningful for staff/manager-tier retirees
- +Cooper Medical School of Rowan University + MD Anderson at Cooper anchor South Jersey academic depth
Vale la pena saber antes de firmar
- −12.25% top state rate is second-highest in country — meaningful for partner / senior specialist comp
- −NJ does NOT conform to federal pre-tax 401(k) / HSA / FSA — every benefits election has a state-level penalty
- −2.21% effective property tax is the worst in the country — $20K-$35K/year on physician-tier housing
- −Property tax + state income tax + NJ non-conformity stack pushes senior physicians to PA relocation
- −North Jersey housing is structurally expensive — $750K-$1.4M for top-tier school districts
- −Late-career retirement requires careful PA / FL / NC relocation planning to escape NJ tax structure
Mercado Laboral en New Jersey
New Jersey tiene demanda activa de Médicos.
Perspectivas de crecimiento: 3% growth through 2032 (about as fast as average)
Puestos relacionados:
Costo de Vida en New Jersey
New Jersey tiene un costo de vida variado según la región.
💰 Sueldo neto mensual: $15,010
🏠 Renta típica: $2,200/mo
📊 Después de renta: $12,810/mo
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