Lotvox market story · compare
ZIP 07450 vs ZIP 07641
1 of 4
Who's going to sell
Turnover Index not published for 07450 yet.
Where
07450 in Bergen County, NJ
07450 is one of 66 ZIP codes that lie mostly in Bergen County, NJ.
Shaded by typical home value, it ranks 5 of the 39 nearby ZIPs shown.
- Value rank among nearby ZIPs
- 5 of 39
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 07450
1 school location in 07450: 1 elementary.
In alphabetical order: Ridge Elementary School. Locations only — no ratings are shown here.
- School locations
- 1
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 07641 yet.
Where
07641 in Bergen County, NJ
07641 is one of 66 ZIP codes that lie mostly in Bergen County, NJ.
Shaded by typical home value, it ranks 9 of the 40 nearby ZIPs shown.
- Value rank among nearby ZIPs
- 9 of 40
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 07641
1 school location in 07641: 1 middle.
In alphabetical order: Haworth Public School. Locations only — no ratings are shown here.
- School locations
- 1
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 07450
In January 2000 the typical home in 07450 was worth $327,404.
Values peaked at $1,268,698 in August 2026. The latest reading is the peak.
As of August 2026: $1,268,698, +10.7% over twelve months.
- Typical home value
- $1,268,698
- 12-month change
- +10.7%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $1,268,698. Put 20% down and borrow $1,014,958 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $7,027 a month in principal and interest.
The median household here earns $217,250 a year, $18,104 a month. So the payment takes 38.8% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).
The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.0% in 2000.
- Payment share of income
- 38.8%
- Monthly P&I
- $7,027
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,960.
In December 2020, with rates at 2.68%, it was $2,569.
By August 2026, at 6.67%, it was $6,527 — +154% since December 2020, while the home's value moved +60%.
- Payment change since 2020
- +154%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +288% since January 2000.
General prices (CPI-U) rose +97% over the same span.
Divide one by the other: in August 2026 dollars, the 2000 home was worth $646,166. So the real change is +96%, not +288%.
- Real change since 2000
- +96%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
07450 against its neighbors
07450: +288% since January 2000.
Bergen County: +227% since January 2000.
New Jersey: +240% since January 2000 — 07450 ran ahead of it by 48 points.
- Change since 2000
- +288%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $8,296 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $4,181 a month.
Price divided by a year's rent: 25.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 25.3
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 07641
In January 2000 the typical home in 07641 was worth $352,752.
Values peaked at $1,233,055 in August 2026. The latest reading is the peak.
As of August 2026: $1,233,055, +12.0% over twelve months.
- Typical home value
- $1,233,055
- 12-month change
- +12.0%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $1,233,055. Put 20% down and borrow $986,444 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $6,830 a month in principal and interest.
The median household here earns $227,841 a year, $18,987 a month. So the payment takes 36.0% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).
The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.3% in 2000.
- Payment share of income
- 36.0%
- Monthly P&I
- $6,830
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $2,112.
In December 2020, with rates at 2.68%, it was $2,385.
By August 2026, at 6.67%, it was $6,344 — +166% since December 2020, while the home's value moved +67%.
- Payment change since 2020
- +166%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +250% since January 2000.
General prices (CPI-U) rose +97% over the same span.
Divide one by the other: in August 2026 dollars, the 2000 home was worth $696,192. So the real change is +77%, not +250%.
- Real change since 2000
- +77%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
07641 against its neighbors
07641: +250% since January 2000.
Bergen County: +227% since January 2000.
New Jersey: +240% since January 2000 — 07641 ran ahead of it by 10 points.
- Change since 2000
- +250%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $8,063 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,914 a month.
Price divided by a year's rent: 53.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 53.7
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 31 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 27 — so sales ran at 115% of it, and below it in 20 of the last 24 months.
- Sales vs 2015–19 level
- 115%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Bergen County, builders pulled permits for 2,970 new homes in 2025.
Of those, 47% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 2,970
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
Homes sold: about 2 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 4 — so sales ran at 50% of it, and below it in 14 of the last 24 months.
- Sales vs 2015–19 level
- 50%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Bergen County, builders pulled permits for 2,970 new homes in 2025.
Of those, 47% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 2,970
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Bergen County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 14,844 moved in. Among the ten receiving the most, 11,715 moved out.
Net across those counties: +3,129 households. Beside it, homes for sale in this ZIP: 24 in June 2026.
Most arrivals came from Hudson, NJ (3,893 households); most departures went to Passaic, NJ (2,659).
- Net households (top-10 flows)
- +3,129
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
County records
On the county rolls
County assessor records list 7,968 properties with a market value here. Their average assessed market value is $608,400; the typical home value is $1,268,698.
The assessor average sits −52.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.
- Properties on the roll
- 7,968
Source: County assessor and recorder public records; Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above)
Housing pulse
Migration and inventory
This ZIP sits in Bergen County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 14,844 moved in. Among the ten receiving the most, 11,715 moved out.
Net across those counties: +3,129 households. Beside it, homes for sale in this ZIP: 8 in June 2026.
Most arrivals came from Hudson, NJ (3,893 households); most departures went to Passaic, NJ (2,659).
- Net households (top-10 flows)
- +3,129
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
County records
On the county rolls
County assessor records list 1,266 properties with a market value here. Their average assessed market value is $599,450; the typical home value is $1,233,055.
The assessor average sits −51.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.
- Properties on the roll
- 1,266
Source: County assessor and recorder public records; Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above)