ZIP 07677 vs ZIP 07450

07677 is one of 66 ZIP codes that lie mostly in Bergen County, NJ.

Shaded by typical home value, it ranks 7 of the 40 nearby ZIPs shown.

2 school locations in 07677: 1 elementary, 1 middle.

In alphabetical order: Dorchester Elementary School, Woodcliff Middle School. Locations only — no ratings are shown here.

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.

1 school location in 07450: 1 elementary.

In alphabetical order: Ridge Elementary School. Locations only — no ratings are shown here.

In January 2000 the typical home in 07677 was worth $413,919.

Values peaked at $1,284,052 in August 2026. The latest reading is the peak.

As of August 2026: $1,284,052, +8.7% over twelve months.

Start with the typical home: $1,284,052. Put 20% down and borrow $1,027,242 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $7,112 a month in principal and interest.

The median household here earns $211,233 a year, $17,603 a month. So the payment takes 40.4% 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 13.0% 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 $2,478.

In December 2020, with rates at 2.68%, it was $2,654.

By August 2026, at 6.67%, it was $6,606 — +149% since December 2020, while the home's value moved +57%.

Reported values rose +210% 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 $816,912. So the real change is +57%, not +210%.

07677: +210% since January 2000.

Bergen County: +227% since January 2000.

New Jersey: +240% since January 2000 — 07677 ran behind it by 30 points.

Owning the typical home costs about $8,396 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,120 a month.

Price divided by a year's rent: 50.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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.

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.

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%.

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%.

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.

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.

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

The 2015–2019 level for the same month was 7 — so sales ran at 114% 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 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.

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: 16 in June 2026.

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

County assessor records list 2,000 properties with a market value here. Their average assessed market value is $848,150; the typical home value is $1,284,052.

The assessor average sits −33.9% 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: 24 in June 2026.

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

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.