I'll just note that I don't think you have a big enough bankroll for 20/40 or 5/10, especially if you are depending on some of your poker earnings to cover basic expenses.
Neither NJ, nor CT are low cost states. With the US average being 100, NJ is 128.5 and CT is 130.2, meaning it costs about 30% more than average to live there. In comparison, NV is at 101.3. PA is cheaper overall, but the cost is driven down by the central and western part of the state. The Philly area isn't cheap.
http://www.missourieconomy.org/indic...ving/index.stm