07436 — Bergen County, New Jersey Market Snapshot
Housing market data for zip code 07436 in Bergen County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$731,000
Days to Sell
34
Homes Sold
11
Inventory
19
Sale-to-List
107.0%
New Listings
26
Price/SqFt
$425
Pending Sales
20
Conforming Loan Available
Most homebuyers in 07436 can comfortably use conventional financing. The median home price of $731,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
07436's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 07436 are selling 7.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 07436 can comfortably use conventional financing. The median home price of $731,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 07436 are set at the county level.
2026 Loan Limits — Bergen County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 07436
To purchase the median home at $731,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,751.
Monthly Payment
$5,751
Income Required
$246,458
Principal & Interest
$4,504/mo
Down Payment (5%)
$36,550
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 07436.
Estimated Monthly Payment
$4,674
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