07002 — Hudson County, New Jersey Market Snapshot
Housing market data for zip code 07002 in Hudson County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$570,000
Days to Sell
30
Homes Sold
18
Inventory
24
Sale-to-List
100.2%
New Listings
41
Price/SqFt
$351
Pending Sales
30
Conforming Loan Available
Most homebuyers in 07002 can comfortably use conventional financing. The median home price of $570,000 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
07002's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 07002 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 07002 can comfortably use conventional financing. The median home price of $570,000 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 07002 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 07002
To purchase the median home at $570,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,517.
Monthly Payment
$4,517
Income Required
$193,593
Principal & Interest
$3,512/mo
Down Payment (5%)
$28,500
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 07002.
Estimated Monthly Payment
$3,678
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 07002. Tell us what you're looking for.