Bergen County, NJ · 5,560 properties with county records
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Garfield 07026 is in Bergen, NJ, part of the New York Metro. The typical home value in Garfield 07026 is $588,127 (Zillow Home Value Index, August 2026), up 2.5% from a year earlier. Homes that sold went under contract in a median 70 days, and 0% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 4.1 months of supply, neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 07026 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Bergen's 65 ZIPs with a Zillow value, the middle one is $766,477, so 07026 sits 23% below the county middle. Typical rent is $2,510 a month (Zillow Observed Rent Index, August 2026). Lotvox holds county assessor records for 5,560 properties in 07026.
Headline value data through August 2026. Each source below carries its own date.
Is 07026 a buyer's or seller's market?
By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 07026 is a balanced market. Homes went under contract in a median 70 days with 4.1 months of supply.
What do homes in 07026 sell for?
The typical home value in 07026 is $588,127 (Zillow Home Value Index, August 2026), up 2.5% in a year. That is a value index, not a list of sale prices.
Who is likely to sell in 07026?
Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 07026 has not passed that test yet. When it does, the score appears here.
How does 07026 compare to Bergen?
07026's typical value of $588,127 compares with a middle value of $766,477 across Bergen's 65 ZIPs. Both are Zillow Home Value Index figures for August 2026.
Where does this 07026 data come from?
Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.
Cite as: Lotvox ZIP market record, 07026 Garfield, NJ, data through August 2026, https://lotvox.com/new-york/zip/07026
Listings Flow Ladder — 07026
Faucet, basin and drain — new listings in, active inventory, closed sales out.as of Aug 31, 2026
the basin is fillingnet 5 listings/mo
Faucet — new listings
19/mo
86% of normal (22) · trickle· baseline thin
Basin — active listings
57
59% of normal (96) · balanced· baseline thin
Months of supply
4.1 mo
derived — not published at this grain
Drain — closed sales
14/mo
75% of normal (19)· baseline thin
Net — faucet minus drain
+5/mo
filling
Reading
current
as of 2026-08-31
Compare against:2015-01-01 to 2019-12-31 · 5 same-month points
How plugged is the drain? Two definitions, both ours, deliberately not reconciled.
0%Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
25%Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month
Closed sales over 24 months — two different numbers, deliberately not merged.
3/mofall in the monthly rate (19%)— peak 17/mo (2025-06-30) to 14/mo now
99transactions that did not happen— summed monthly shortfall vs the same-month normal, over 23 months below it (vs 2015-19 (COVID excluded))
rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.
2026-08-31
Redfin market data (county + ZIP), via Lotvox. As of 2026-08-31. Normal = same-month median of monthly rates, minimum 3 same-month points. Source window 3 months (flows shown per month). months_of_supply is not published at this grain (0 non-null rows measured); derived here as active listings / closed sales per month. A fresher supply-only read (10 new, 20 active, 2026-09-01, Realtor.com inventory (county + ZIP), via Lotvox) is available but is NOT used in the net — that source publishes no closed sales, so subtracting across it would mix two vintages.
Should you buy here?
buyer-timing lens
22affordability /100
Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / seller
buyer-timing lens
Strong Buyer's Market
Needs 41.9% correction for affordability
DOM: 81d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)100
Valuation Gap (25%)100
Supply & Demand (20%)100
Buy vs Rent (15%)75
Cancellation Rate (10%)25
Days on Market (5%)75
Strong buyer leverage in 07026. If you must buy now, offer 10-15% below list price. Payment burden: 47.7% of median income. A 26% price correction needed to reach 30% affordability threshold. Median days on market: 81. Renting is approximately 72% cheaper than buying (price-to-rent ratio: 20.6). Market appears 40% overpriced vs. assessed values.
What to Offer
Offer 10-15% below list price. Sellers are under pressure.
Conditions most similar to late 2007 — overvaluation without corresponding income growth. Significant correction potential.
WARMINGBALANCED
Market is warming with rising prices. Conditions are balanced between buyers and sellers.
Address lookup
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in 14,844 · out 11,715 · Bergen County, NJ (parent county of this ZIP)
active inventory
as of 2026-06-01 · IRS SOI county-to-county migration flows 2022-2023 + Redfin inventory history
Price bands
mix-shift
Price Bands — the median behind the median
A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Bergen.
Current tiers · 12 months to Aug 25floor 10 sales/tier
7 tiers had too few sales at every level and are left blank rather than estimated.
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$250k–$500k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$500k–$750k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$750k–$1M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1M–$1.5M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1.5M–$2M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$2M+
—
—
—
—
fewer than 10 sales at zip, county and metro level
All sales (the headline median)
$355k
$185
11
100%
METRO · New York, NJ
No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.
National context — not local
NAR's aggregate existing-home median for the United States and the Northeast census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 07026.
United States
Northeast
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
ZIP 07026→Bergen County, NJ
12-Month Direction
+23Moderate Improvement
Confidence
100%
DeterioratingStableImproving
BuildersLens Market Intelligence
Market Score
43· Weak
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.
Payment Burden
51.6%
severe
Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08
Price-to-rent
19.5x
neutral
Source: Zillow ZHVI ÷ (Zillow ZORI × 12)
Valuation7
+61.6%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Supply/Demand
4.1 mo
balanced
Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-08-31
Insurance Risk
42/100
moderate
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
4.0%
NJ 4.8%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0845d ago
Poverty Rate
6.6%
NJ 9.7%US 12.6%
Lower than most U.S. counties
Median Household Income
$123,715
NJ $102,215US $82,006
Higher than most U.S. counties
Cost of Living (RPP)
113.5
NJ 113.5US 100.3
Higher than many comparable counties
Home Value (ZHVI)$786,366
County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA
Tenure by age of householder (ACS B25007) is not published below county. Any ZIP figure here is DERIVED from the county's age-specific owner rates applied to this ZIP's own age structure — never read directly.
Derived — this ZIP
10.7% in 2023
of owner-occupied homes have a householder 75 or older
