07676 — Bergen County, New Jersey Market Snapshot
Housing market data for zip code 07676 in Bergen County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$867,500
Days to Sell
58
Homes Sold
20
Inventory
27
Sale-to-List
107.3%
New Listings
33
Price/SqFt
$483
Pending Sales
22
Conforming Loan Available
Most homebuyers in 07676 can comfortably use conventional financing. The median home price of $867,500 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
07676's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 07676 are selling 7.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 07676 can comfortably use conventional financing. The median home price of $867,500 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 07676 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 07676
To purchase the median home at $867,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,797.
Monthly Payment
$6,797
Income Required
$291,279
Principal & Interest
$5,345/mo
Down Payment (5%)
$43,375
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 07676.
Estimated Monthly Payment
$5,519
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