07646 — Bergen County, New Jersey Market Snapshot
Housing market data for zip code 07646 in Bergen County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$740,000
Days to Sell
57
Homes Sold
15
Inventory
31
Sale-to-List
103.0%
New Listings
36
Price/SqFt
$447
Pending Sales
25
Conforming Loan Available
Most homebuyers in 07646 can comfortably use conventional financing. The median home price of $740,000 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
07646's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 07646 are selling 3.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 07646 can comfortably use conventional financing. The median home price of $740,000 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 07646 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 07646
To purchase the median home at $740,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,820.
Monthly Payment
$5,820
Income Required
$249,413
Principal & Interest
$4,560/mo
Down Payment (5%)
$37,000
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 07646.
Estimated Monthly Payment
$4,730
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 07646. Tell us what you're looking for.