07032 — Hudson County, New Jersey Market Snapshot
Housing market data for zip code 07032 in Hudson County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$499,900
Days to Sell
67
Homes Sold
21
Inventory
28
Sale-to-List
101.5%
New Listings
35
Price/SqFt
$345
Pending Sales
34
Conforming Loan Available
Most homebuyers in 07032 can comfortably use conventional financing. The median home price of $499,900 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 67 days on average, 07032 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 07032 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 07032 can comfortably use conventional financing. The median home price of $499,900 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 07032 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 07032
To purchase the median home at $499,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,980.
Monthly Payment
$3,980
Income Required
$170,574
Principal & Interest
$3,080/mo
Down Payment (5%)
$24,995
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 07032.
Estimated Monthly Payment
$3,244
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