07307 — Hudson County, New Jersey Market Snapshot
Housing market data for zip code 07307 in Hudson County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$742,500
Days to Sell
68
Homes Sold
52
Inventory
109
Sale-to-List
98.5%
New Listings
138
Price/SqFt
$602
Pending Sales
57
Conforming Loan Available
Most homebuyers in 07307 can comfortably use conventional financing. The median home price of $742,500 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
With homes sitting for 68 days on average, 07307 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 are selling very close to asking price in 07307 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 07307 can comfortably use conventional financing. The median home price of $742,500 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 07307 are set at the county level.
2026 Loan Limits — Hudson 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 07307
To purchase the median home at $742,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,839.
Monthly Payment
$5,839
Income Required
$250,234
Principal & Interest
$4,575/mo
Down Payment (5%)
$37,125
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 07307.
Estimated Monthly Payment
$4,745
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