I would suggest taking a serious look at Jersey City. My personal opinion on Montclair is that it is too far from the action in Manhattan… Real family oriented and has a cool art scene, but a ‘bit quiet. I looked into living there and the challenge that it was real pricy (has great schools, so property taxes are high) and it was too far away and not convenient. New Brunswick with its close proximity to Rutgers University would be a much better choice for the money, but I may have one better for you.
I’ve lived in Jersey City now for 3 years, specifically Grove Street area. Real easy to get into Manhattan and Hoboken using the PATH. Uber will run you about $65.00 (going through the Holland Tunnel).
Personally I am a huge fan of living below your means and putting your financial plans first. I grew up in a real ethnically diverse part of a major city that was kind of run down… I enjoy the ‘realism’ that comes with living in such an area. Could I afford a studio somewhere like on the Upper West Side or SoHo? Sure, but I would sacrifice the daily reminder that Manhattan is a bubble and my 5-year financial plan would take a real hit. Finally, developing and executing a strong frame to manage the natural logistics issues that can occur when it comes to picking up girls in Manhattan and bringing them back to Jersey City is a useful life skill to develop that has served me well. It’s made me a lot pickier and those connections I have chosen to foster have been a lot more rewarding.
Here is a shot of some of the areas I reference on this write-up… Personally I really like the proximity to the action in Manhattan.
http://i.imgur.com/HBBibxL.jpg?1
Rentals
Rents are all over the place…You can spend over $4k for a luxury 1-bedroom in Paulus Hook or around $2k for a 3-bedroom in the Hamilton Park area. I have had a 3-bedroom located about a 7 minute walk from the PATH for 3 years (Harsimus Cove) and the rent has been $1900.00 (that's not a typo). The area is predominantly folks of Latino and Puerto Rican decent. Very safe, I’ve kept my car on the street for the last three years and the one time someone bumped the mirror off of it, one of my neighbors had gotten the guy’s insurance information for me. Hell, I didn’t even know the guy spoke English but I had always been friendly.
Some other places to try out: Journal Square, Weehawken and Union City – If you hunt around you can find great places for rent that are convenient to the NYC Waterway Taxis, NJ Transit buses into the NYC Port Authority on 42nd Street, and Uber costs about $65 to $75 to go into the City (generally through the Lincoln Tunnel). The Hudson-Bergen Light Rail is real convenient, and keeping a vehicle garaged will cost you at most $200 per-month (less if you are OK with it sitting outside in a locked and gated lot). If you don’t mind moving it every two days, then it’s $300 per-year for a permit from the NJ Parking authority.
My suggestion on all of these neighborhoods is simple: Go spend the day in the area and walk around. Dress the part. Look like someone you would want to have a neighbor. Stop in at the auto-body shops, the dry-cleaners, and the shoe-repair shops. Tell them you are looking for an apartment and do they know anyone. That older lady sitting on her chair having a smoke outside? She and her brother just might own that entire building she is sitting in front of. These are old-school landlords who have a vested interest in their neighborhoods and they know what’s going on. If you have a business card, bring a bunch of them. Write your personal mobile number on the back right in front of them and be extra polite. These are the people who have been in the neighborhood the longest and who want to keep things the same or see it improve (but without gentrification). They are also the ones who have property. I got the place I have now by doing this… A landlord had a guy he didn’t like who was on a month-to-month, he kicked him out and I got the place.
Good luck to you… Hope this helps you a ‘bit!