Dumont 07628

Bergen County, NJ · 5,120 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

46affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
33%
stretched
Days on market
64
daily
Price cuts
0.0%
of active
Valuation
-20.5%
vs assessor
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56
/100
mixed
hot · balanced · prices rising year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

68/ 100SellerBalancedBuyer
Negotiate Hard
Needs 9.1% correction for affordability
DOM: 69d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)80
Supply & Demand (20%)85
Buy vs Rent (15%)100
Cancellation Rate (10%)0
Days on Market (5%)75

Moderate buyer leverage in 07628. Room to negotiate 5-10% below list. Payment burden: 33.0% of median income. Median days on market: 69. Renting is approximately 168% cheaper than buying (price-to-rent ratio: 32.1). Market appears 16% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
HOTBALANCED

Market is running hot with fast-moving inventory. Conditions are balanced between buyers and sellers. Prices up 7.6% YoY.

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Market snapshoteach number, once

Median price
$683,317
▴ 7.6% YoY
Days on market
64
daily · zip_data
Median rent
$1,775
ZORI
Investor score
46/100
cash-flow lens
Active listings
34
90-day

Valuation3 lenses, different anchors

vs assessor
-20.5%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$542,950
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+61.3%
County-wide market — the widest, slowest signal.
Bergen+61.3%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft
Price-to-income5.4×

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How 07628 ranks in NJ
percentile vs all NJ ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

23SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply8.6 mo
Days on Market64d
Inv vs History+20.1%
Listing Density--
Market dynamics
Price cut %0.0%
Momentumhot
LeverageBALANCED
Months of supply8.6
Sales (90d)0
Investment analysis
Median rent$1,775
Price-to-rent32.1
Est. cap rate2.0%
Buy vs rentfavors renting

Livability

Walk score4
Transit score19
Bike score

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Bergen County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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