07657 — Bergen County, New Jersey Market Snapshot
Housing market data for zip code 07657 in Bergen County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$727,500
Days to Sell
84
Homes Sold
10
Inventory
10
Sale-to-List
100.6%
New Listings
13
Price/SqFt
$460
Pending Sales
10
Conforming Loan Available
Most homebuyers in 07657 can comfortably use conventional financing. The median home price of $727,500 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 84 days on average, 07657 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 07657 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 07657 can comfortably use conventional financing. The median home price of $727,500 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 07657 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 07657
To purchase the median home at $727,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,724.
Monthly Payment
$5,724
Income Required
$245,309
Principal & Interest
$4,483/mo
Down Payment (5%)
$36,375
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 07657.
Estimated Monthly Payment
$4,652
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