ZIP 07481 vs ZIP 07401

07481 is one of 66 ZIP codes that lie mostly in Bergen County, NJ.

Shaded by typical home value, it ranks 7 of the 39 nearby ZIPs shown.

5 school locations in 07481: 4 elementary, 1 middle.

In alphabetical order: Abraham Lincoln Elementary School, Calvin Coolidge Elementary School, Dwight D. Eisenhower Middle School, George Washington Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

07401 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.

3 school locations in 07401: 1 elementary, 1 middle, 1 high.

In alphabetical order: Brookside School, Hillside Elementary School, Northern Highlands Regional High School. Locations only — no ratings are shown here.

In January 2000 the typical home in 07481 was worth $367,073.

Values peaked at $1,174,685 in August 2026. The latest reading is the peak.

As of August 2026: $1,174,685, +10.5% over twelve months.

Start with the typical home: $1,174,685. Put 20% down and borrow $939,748 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $6,507 a month in principal and interest.

The median household here earns $196,632 a year, $16,386 a month. So the payment takes 39.7% 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 12.4% in 2000.

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 $2,198.

In December 2020, with rates at 2.68%, it was $2,504.

By August 2026, at 6.67%, it was $6,043 — +141% since December 2020, while the home's value moved +52%.

Reported values rose +220% 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 $724,456. So the real change is +62%, not +220%.

07481: +220% since January 2000.

Bergen County: +227% since January 2000.

New Jersey: +240% since January 2000 — 07481 ran behind it by 20 points.

Owning the typical home costs about $7,681 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,175 a month.

Price divided by a year's rent: 45.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 07401 was worth $365,451.

Values peaked at $1,124,898 in August 2026. The latest reading is the peak.

As of August 2026: $1,124,898, +8.5% over twelve months.

Start with the typical home: $1,124,898. Put 20% down and borrow $899,918 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $6,231 a month in principal and interest.

The median household here earns $156,992 a year, $13,083 a month. So the payment takes 47.6% 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 15.5% in 2000.

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 $2,188.

In December 2020, with rates at 2.68%, it was $2,423.

By August 2026, at 6.67%, it was $5,787 — +139% since December 2020, while the home's value moved +50%.

Reported values rose +208% 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 $721,255. So the real change is +56%, not +208%.

07401: +208% since January 2000.

Bergen County: +227% since January 2000.

New Jersey: +240% since January 2000 — 07401 ran behind it by 32 points.

Owning the typical home costs about $7,356 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,904 a month.

Price divided by a year's rent: 24.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 18 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 39.

Going out — closed sales: about 20 a month. That is 74% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.0 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 1 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 20 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 21 — so sales ran at 95% of it, and below it in 19 of the last 24 months.

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).

Homes sold: about 8 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 9 — so sales ran at 89% of it, and below it in 15 of the last 24 months.

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).

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: 39 in June 2026.

Most arrivals came from Hudson, NJ (3,893 households); most departures went to Passaic, NJ (2,659).

County assessor records list 6,196 properties with a market value here. Their average assessed market value is $712,100; the typical home value is $1,174,685.

The assessor average sits −39.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

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: 11 in June 2026.

Most arrivals came from Hudson, NJ (3,893 households); most departures went to Passaic, NJ (2,659).

County assessor records list 2,315 properties with a market value here. Their average assessed market value is $794,900; the typical home value is $1,124,898.

The assessor average sits −29.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.