ZIP 07626 vs ZIP 07649

07626 is one of 66 ZIP codes that lie mostly in Bergen County, NJ.

Shaded by typical home value, it ranks 9 of the 39 nearby ZIPs shown.

4 school locations in 07626: 2 elementary, 1 middle, 1 high.

In alphabetical order: Cresskill High School, Cresskill Middle School, Edward H. Bryan, Merritt Memorial. Locations only — no ratings are shown here.

07649 is one of 66 ZIP codes that lie mostly in Bergen County, NJ.

Shaded by typical home value, it ranks 13 of the 40 nearby ZIPs shown.

2 school locations in 07649: 1 middle, 1 high.

In alphabetical order: Oradell Public School, River Dell Regional High School. Locations only — no ratings are shown here.

In January 2000 the typical home in 07626 was worth $330,889.

Values peaked at $1,037,315 in August 2026. The latest reading is the peak.

As of August 2026: $1,037,315, +5.5% over twelve months.

Start with the typical home: $1,037,315. Put 20% down and borrow $829,852 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,746 a month in principal and interest.

The median household here earns $173,293 a year, $14,441 a month. So the payment takes 39.8% 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 12.7% 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 $1,981.

In December 2020, with rates at 2.68%, it was $2,425.

By August 2026, at 6.67%, it was $5,337 — +120% since December 2020, while the home's value moved +38%.

Reported values rose +213% 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 $653,044. So the real change is +59%, not +213%.

07626: +214% since January 2000.

Bergen County: +227% since January 2000.

New Jersey: +240% since January 2000 — 07626 ran behind it by 26 points.

Owning the typical home costs about $6,783 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $5,380 a month.

Price divided by a year's rent: 16.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 07649 was worth $297,173.

Values peaked at $1,019,654 in August 2026. The latest reading is the peak.

As of August 2026: $1,019,654, +10.3% over twelve months.

Start with the typical home: $1,019,654. Put 20% down and borrow $815,723 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,648 a month in principal and interest.

The median household here earns $214,736 a year, $17,895 a month. So the payment takes 31.6% of income — rated “stretched” (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 9.2% 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 $1,779.

In December 2020, with rates at 2.68%, it was $2,215.

By August 2026, at 6.67%, it was $5,246 — +137% since December 2020, while the home's value moved +49%.

Reported values rose +243% 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 $586,502. So the real change is +74%, not +243%.

07649: +243% since January 2000.

Bergen County: +227% since January 2000.

New Jersey: +240% since January 2000 — 07649 ran ahead of it by 3 points.

Owning the typical home costs about $6,668 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,917 a month.

Price divided by a year's rent: 44.3. 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 9 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 35.

Going out — closed sales: about 11 a month.

The ladder: homes for sale ÷ monthly sales = 3.1 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 2 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 11 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 10 — so sales ran at 110% 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).

Homes sold: about 9 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 8 — so sales ran at 113% of it, and below it in 16 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: 35 in June 2026.

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

County assessor records list 2,955 properties with a market value here. Their average assessed market value is $678,800; the typical home value is $1,037,315.

The assessor average sits −34.6% 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: 22 in June 2026.

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

County assessor records list 2,935 properties with a market value here. Their average assessed market value is $745,100; the typical home value is $1,019,654.

The assessor average sits −26.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.