ZIP 07436

07436 is one of 66 ZIP codes that lie mostly in Bergen County, NJ.

Shaded by typical home value, it ranks 20 of the 39 nearby ZIPs shown.

5 school locations in 07436: 3 elementary, 1 middle, 1 high.

In alphabetical order: Dogwood Hill Elementary School, Heights Elementary School, Indian Hills High School, Manito Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 07436 was worth $259,662.

Values peaked at $774,595 in August 2026. The latest reading is the peak.

As of August 2026: $774,595, +7.6% over twelve months.

Start with the typical home: $774,595. Put 20% down and borrow $619,676 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,291 a month in principal and interest.

The median household here earns $162,763 a year, $13,564 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 10.6% 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 $1,555.

In December 2020, with rates at 2.68%, it was $1,762.

By August 2026, at 6.67%, it was $3,985 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +198% 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 $512,470. So the real change is +51%, not +198%.

07436: +198% since January 2000.

Bergen County: +227% since January 2000.

New Jersey: +240% since January 2000 — 07436 ran behind it by 41 points.

Owning the typical home costs about $5,065 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,536 a month.

Price divided by a year's rent: 42.0. 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 15 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 28.

Going out — closed sales: about 11 a month.

The ladder: homes for sale ÷ monthly sales = 2.5 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

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

The 2015–2019 level for the same month was 17 — so sales ran at 65% 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).

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: 28 in June 2026.

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

County assessor records list 4,507 properties with a market value here. Their average assessed market value is $588,000; the typical home value is $774,595.

The assessor average sits −24.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.