ZIP 07631 vs ZIP 07603

07631 is one of 66 ZIP codes that lie mostly in Bergen County, NJ.

Shaded by typical home value, it ranks 34 of the 39 nearby ZIPs shown.

6 school locations in 07631: 3 elementary, 2 middle, 1 high.

In alphabetical order: Donald A. Quarles Early Childhood Center, Dr. John Grieco Elementary School, Dr. Leroy McCloud Elementary School, Dwight Morrow High School/Academies@Englewood, and more on the ZIP page. Locations only — no ratings are shown here.

07603 is one of 66 ZIP codes that lie mostly in Bergen County, NJ.

Shaded by typical home value, it ranks 33 of the 39 nearby ZIPs shown.

4 school locations in 07603: 2 elementary, 1 middle, 1 high.

In alphabetical order: Bogota Jr./Sr. High School, Bogota Middle School, E. Roy Bixby, Lillian M. Steen. Locations only — no ratings are shown here.

In January 2000 the typical home in 07631 was worth $203,863.

Values peaked at $626,769 in August 2026. The latest reading is the peak.

As of August 2026: $626,769, +2.3% over twelve months.

Start with the typical home: $626,769. Put 20% down and borrow $501,415 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,472 a month in principal and interest.

The median household here earns $101,398 a year, $8,450 a month. So the payment takes 41.1% 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 13.4% 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 $1,221.

In December 2020, with rates at 2.68%, it was $1,472.

By August 2026, at 6.67%, it was $3,225 — +119% since December 2020, while the home's value moved +38%.

Reported values rose +207% 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 $402,345. So the real change is +56%, not +207%.

07631: +207% since January 2000.

Bergen County: +227% since January 2000.

New Jersey: +240% since January 2000 — 07631 ran behind it by 32 points.

Owning the typical home costs about $4,098 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,821 a month.

Price divided by a year's rent: 18.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 07603 was worth $177,342.

Values peaked at $623,285 in August 2026. The latest reading is the peak.

As of August 2026: $623,285, +2.8% over twelve months.

Start with the typical home: $623,285. Put 20% down and borrow $498,628 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,452 a month in principal and interest.

The median household here earns $107,321 a year, $8,943 a month. So the payment takes 38.6% 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 11.0% 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 $1,062.

In December 2020, with rates at 2.68%, it was $1,390.

By August 2026, at 6.67%, it was $3,207 — +131% since December 2020, while the home's value moved +45%.

Reported values rose +251% 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 $350,003. So the real change is +78%, not +251%.

07603: +252% since January 2000.

Bergen County: +227% since January 2000.

New Jersey: +240% since January 2000 — 07603 ran ahead of it by 12 points.

Owning the typical home costs about $4,076 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,155 a month.

Price divided by a year's rent: 16.5. 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 27 a month (Redfin, 3-month rolling data through August 2026). That is 79% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 102. That is 57% of the 2015–2019 level for the same months.

Going out — closed sales: about 22 a month. That is 78% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.6 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 22 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 24 — so sales ran at 92% 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 3 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 8 — so sales ran at 38% of it, and below it in 22 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: 102 in June 2026.

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

County assessor records list 6,410 properties with a market value here. Their average assessed market value is $311,900; the typical home value is $626,769.

The assessor average sits −50.2% 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: 20 in June 2026.

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

County assessor records list 2,032 properties with a market value here. Their average assessed market value is $484,900; the typical home value is $623,285.

The assessor average sits −22.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.