Bergen County, NJ Average Home Price (2026)
The average home price in Bergen County, New Jersey is about $766,000 (the 2026 median across 64 ZIP codes, at ~$420/sq ft) — 34% more expensive than the New Jersey median and 165% more expensive than the typical U.S. home.
How Bergen County compares
Bergen County is relatively expensive for housing nationally: its typical home costs $766,000 against $573,000 for New Jersey and $289,000 for the U.S. Within the county, ZIP-level values run from about $462,000 to $3,199,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Bergen County | $766,000 | $420 |
| New Jersey | $573,000 | $327 |
| United States | $289,000 | $193 |
Bergen County home prices by ZIP code
The 15 most valuable ZIP codes in Bergen County (of 64 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 07620 Alpine | $3,199,000 | $1683 | +318% |
| 07632 Englewood Cliffs | $1,804,000 | $950 | +136% |
| 07458 Upper Saddle River | $1,664,000 | $358 | +117% |
| 07417 Franklin Lakes | $1,625,000 | $224 | +112% |
| 07627 Demarest | $1,541,000 | $811 | +101% |
| 07423 Ho Ho Kus | $1,430,000 | $593 | +87% |
| 07670 Tenafly | $1,321,000 | $695 | +72% |
| 07677 Woodcliff Lake | $1,274,000 | $368 | +66% |
| 07450 Ridgewood | $1,253,000 | $554 | +64% |
| 07641 Haworth | $1,231,000 | $704 | +61% |
| 07624 Closter | $1,199,000 | $631 | +57% |
| 07481 Wyckoff | $1,156,000 | $388 | +51% |
| 07401 Allendale | $1,113,000 | $422 | +45% |
| 07452 Glen Rock | $1,096,000 | $368 | +43% |
| 07652 Paramus | $1,065,000 | $361 | +39% |
Home value appreciation in Bergen County
Home prices in Bergen County have risen about 74% over the last 10 years (≈5.7% a year) and +60.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.8% — still rising. A home worth $766,000 today was worth roughly $440,990 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New Jersey is +87.7% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Bergen County
Run the numbers for Bergen County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Bergen County
To buy the typical $766,000 home in Bergen County with 20% down, you need a household income of roughly $208,000 a year (about $4,860 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $248,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $38,300 | $6,040/mo | $259,000/yr |
| 10% (+PMI) | $76,600 | $5,780/mo | $248,000/yr |
| 20% | $153,200 | $4,860/mo | $208,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Bergen County
At about $420 per square foot, here is roughly how much home different budgets get you in Bergen County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 950 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1190 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1430 sq ft | below the local median — condos, smaller or older homes |
| $750k | 1790 sq ft | around the typical home here |
| $1.00M | 2380 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New Jersey.
Estimate a specific home in Bergen County
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Bergen County home prices: frequently asked
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Browse all New Jersey cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.