07645 — Bergen County, New Jersey Market Snapshot
Housing market data for zip code 07645 in Bergen County, New Jersey. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 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
2 sales in 2026 (year to date)
Median Sale Price
$1,006,000
Days to Sell
53
Homes Sold
2
Inventory
5
Conforming Loan Available
The median home in 07645 at $1,006,000 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
07645's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 07645 at $1,006,000 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 07645 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 07645
To purchase the median home at $1,006,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,858.
Monthly Payment
$7,858
Income Required
$336,756
Principal & Interest
$6,199/mo
Down Payment (5%)
$50,300
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 07645.
Estimated Monthly Payment
$6,376
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