The story of this market
The typical home in Bergen County, New Jersey sells for about $788,000, or $412 per square foot.
Prices are up +4.7% from a year ago, so sellers still have some momentum. Homes take about 33 days to sell. Over the long run, values in this county have grown 146% since 2000. Last year 141 of 177 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $2,282 a month.
HUD sets the fair market rent for a 2-bedroom at $2,282 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+3.3%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2005 (+16.1%). Worst: 2009 (-7.6%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5%
NJ · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,771
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+3.3%
2025 change
FHFA repeat-sales index, median of 177 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
42
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $321,783,350.
Mortgage activity
Home lending in this county
70.9%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 38330 | 18811 | 70.9% | 6.2% | $475,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Bergen County, New Jersey
The Bergen County housing market remains competitive, characterized by low inventory and steady price appreciation. High demand continues to outpace supply, keeping the market favorable for sellers despite broader economic headwinds.
2 distress filing(s) on the ARED verified county foreclosure ledger. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 5 cities · 5 ZIP reports
Median prices moved down 0.7% year over year.
Homes spend a median of 39 days on market with 3.5 months of supply — a fast-moving market.
11% of listings have cut prices · homes sell at 98.86% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.5% · poverty 6.0% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 5 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Sep 30, 2026.
No researched ZIP reports yet — ZIP discovery runs with the county's first refresh, and each ZIP's intel report appears here once its research lands.
Bergen County is widely recognized for its high-performing public school districts, which consistently rank among the best in New Jersey and the nation.
The county faces moderate flood risks in low-lying areas near the Hackensack and Passaic rivers, with insurance premiums influenced by FEMA flood zone designations.
Bergen County maintains a robust economy as the top-ranked county in New Jersey by GDP, supported by major employers in healthcare, retail, and professional services.
Property taxes are levied at the municipal, county, and school district levels, with rates determined by local assessments and annual budget requirements.
The rental market is characterized by high demand and low vacancy rates, with median rents continuing to see upward pressure.
The economy is anchored by a diverse mix of healthcare, retail, and corporate headquarters, benefiting from its proximity to the New York City employment hub.
The county is served by extensive NJ Transit rail and bus networks, providing critical commuter access to Manhattan and surrounding urban centers.
- American Dream4.58.1 mi
- Mountain Creek Water Park428.8 mi
- DreamWorks Water Park4.38.2 mi
- Nickelodeon Universe Theme Park4.58.3 mi
- Color Factory NYC4.414.4 mi
- American Dream4.58.1 mi
- MetLife Stadium4.57.8 mi
- Madison Square Garden4.712.9 mi
- Yankee Stadium4.710.3 mi
- Barclays Center4.517.7 mi
- Times Square4.712.6 mi
- The Metropolitan Museum of Art4.811.8 mi
- Rockefeller Center4.712.7 mi
- Central Park4.811.5 mi
- Brooklyn Bridge4.815.8 mi
- The Metropolitan Museum of Art4.811.8 mi
- Rockefeller Center4.712.7 mi
- Empire State Building4.713.2 mi
- The Museum of Modern Art4.612.5 mi
- American Museum of Natural History4.611.4 mi
- Central Park4.811.5 mi
- 9/11 Memorial & Museum4.815.2 mi
- Bryant Park4.712.9 mi
- The High Line4.712.9 mi
- The Battery4.615.8 mi
- Van Cortlandt Park Golf Course4.310 mi
- 21 Golf Range Powered by Toptracer4.56.7 mi
- Galloping Hill Golf Course4.419.7 mi
- Pelham Bay and Split Rock Golf Courses3.714.5 mi
- Puttery4.713.3 mi
- American Dream4.58.1 mi
- Chelsea Market4.613.2 mi
- Macy's4.413 mi
- The Mills at Jersey Gardens4.519 mi
- Hudson Yards4.712.6 mi
- Newark Liberty International Airport3.717.2 mi
- LaGuardia Airport4.114.8 mi
- Westchester County Airport421.6 mi
- Teterboro Airport4.44.8 mi
- North Shore University Hospital Heliport4.622.1 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Data retrieved from NJ Department of Labor and US Census Bureau reports.
applies when — Land actively devoted to agricultural or horticultural use meeting specific acreage and income requirements
Property is assessed based on its productive capability for agricultural use rather than its full market value, resulting in a lower tax burden.
N.J.S.A. 54:4-23.1 et seq.
New Jersey is a judicial foreclosure state, requiring lenders to file a lawsuit in Superior Court. Lenders must provide a Notice of Intention to Foreclose at least 30 days prior to commencing the action.
N.J.S.A. 2A:50-53 et seq.; NJ Courts Foreclosure procedures.
Sellers must provide a specific flood risk addendum to buyers as part of the property disclosure process.
Effective August 1, 2024, per New Jersey Division of Consumer Affairs regulations.
Sellers are required to provide a standardized disclosure statement regarding the physical condition of the property to prospective buyers.
Effective August 26, 2026, per New Jersey Division of Consumer Affairs regulations.
Tax is calculated as (Assessed Value * Tax Rate). Assessed value is determined by the municipal assessor at 100% of true market value. The tax rate is set by local taxing districts to cover municipal, county, and school budgets.
N.J.S.A. 54:4-1 et seq.; Article VIII, Section 1, paragraph 1 of the New Jersey Constitution.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.