07632 — Bergen County, New Jersey Market Snapshot
Housing market data for zip code 07632 in Bergen County, New Jersey. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Bergen County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$2,025,000
Days to Sell
99
Homes Sold
8
Inventory
26
Jumbo Loan Likely Needed
The median home in 07632 at $2,025,000 exceeds the 2026 conforming loan limit of $1,209,750 by $815,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 99 days on average, 07632 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 07632 at $2,025,000 exceeds the 2026 conforming loan limit of $1,209,750 by $815,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 07632 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 07632
To purchase the median home at $2,025,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $15,665.
Monthly Payment
$15,665
Income Required
$671,353
Principal & Interest
$12,477/mo
Down Payment (5%)
$101,250
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 07632.
Estimated Monthly Payment
$12,682
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 07632.
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