07675 — Bergen County, New Jersey Market Snapshot
Housing market data for zip code 07675 in Bergen County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$1,090,000
Days to Sell
62
Homes Sold
31
Inventory
65
Sale-to-List
105.0%
New Listings
64
Price/SqFt
$469
Pending Sales
56
Conforming Loan Available
The median home in 07675 at $1,090,000 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
With homes sitting for 62 days on average, 07675 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes in 07675 are selling 5.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 07675 at $1,090,000 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 07675 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 07675
To purchase the median home at $1,090,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,501.
Monthly Payment
$8,501
Income Required
$364,338
Principal & Interest
$6,716/mo
Down Payment (5%)
$54,500
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 07675.
Estimated Monthly Payment
$6,896
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