Bergen County, New Jersey home prices
Typical home $780,357 · +7.1% in a year · property tax 1.61%
The typical home in Bergen County is worth $780,357, 36% more than the New Jersey typical home ($575,123). Values changed +7.1% in the past year and +33.5% over five years. Homeowners here pay a median 1.61% of their home's value in property tax each year ($12,527 on the typical home), versus 1.82% statewide.
Mortgage on the typical Bergen County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $156,071 | $624,285 | $4,200 | $0 | $1,434 | $5,634 | $241,400 |
| 10% down | $78,036 | $702,321 | $4,725 | $293 | $1,434 | $6,451 | $276,500 |
| 5% down | $39,018 | $741,339 | $4,987 | $309 | $1,434 | $6,730 | $288,400 |
| 3.5% down (FHA) | $27,312 | $766,222 | $5,154 | $345 | $1,434 | $6,934 | $297,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.61% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New Jersey · part of the New York metro area.
New Jersey counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Monmouth County | $786,951 | +7.2% | 1.65% |
| Cape May County | $813,005 | +9.6% | 1.22% |
| Morris County | $701,797 | +3.9% | 1.72% |
| Essex County | $658,593 | +3.8% | 1.91% |
| Somerset County | $656,346 | +2.7% | 1.81% |
| Hudson County | $636,059 | +1.5% | 1.77% |
| Union County | $627,890 | +2.3% | 1.89% |
| Hunterdon County | $627,345 | +3.0% | 1.93% |
| Passaic County | $597,668 | +4.5% | 2.18% |
| Middlesex County | $579,852 | +3.1% | 2.1% |
Frequently asked questions
What is the average home price in Bergen County, NJ?
The typical home value in Bergen County is $780,357 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Bergen County?
About $241,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Bergen County?
The median effective rate is 1.61% of home value a year (Census ACS 2024 5-year estimates).