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Bergen County Mortgage Resource Center

Everything you need to buy a home in Bergen County. Market reports, calculators, school information, and expert guides for all 70 municipalities from Paramus to Ridgewood.

Mortgage Calculators & Tools

Bergen County Market Reports

Stay informed with the latest Bergen County real estate trends and analysis

Q4 2024 Bergen County Market Report

Comprehensive analysis of Bergen County real estate trends, pricing, and forecasts

  • Median price: $725,000
  • +5.2% YoY appreciation
  • 42 days average DOM

Northern Valley Luxury Market Analysis

Deep dive into Alpine, Tenafly, and premium Bergen County markets above $1M

  • Jumbo loan trends
  • Luxury inventory
  • Price per square foot

First-Time Buyer Opportunities

Affordable Bergen County towns and neighborhoods for entry-level buyers

  • Towns under $500K
  • FHA-friendly areas
  • Down payment programs

Bergen County School Districts

Top-rated school districts are a major factor in Bergen County home values

Ridgewood

10/10

5,700 students

  • Blue Ribbon schools
  • 97% graduation rate

Tenafly

9/10

3,800 students

  • Top 5% nationally
  • Strong STEM programs

Glen Rock

9/10

2,600 students

  • Small class sizes
  • Excellence in arts

Paramus

8/10

3,200 students

  • Strong athletics
  • Diverse programs

Fair Lawn

8/10

5,000 students

  • IB programs
  • Language immersion

Fort Lee

7/10

4,100 students

  • Growing district
  • Modern facilities

School quality significantly impacts home values in Bergen County

View homes in top school districts →

Bergen County Home Buyer Guides

Expert guidance for every type of Bergen County buyer

First-Time Buyer's Guide to Bergen County

  • Down payment assistance
  • FHA loans up to $1,149,825
  • Closing cost help
  • Best starter home towns

Bergen County VA Loan Guide

  • 0% down options
  • $1,149,825 limit
  • No PMI required
  • Veteran-friendly towns

Jumbo Loan Guide for Luxury Buyers

  • Loans above $1,149,825
  • Portfolio lending
  • Interest-only options
  • Premium markets

Renovation Loan Guide (203k)

  • Finance repairs
  • Fixer-upper opportunities
  • Contractor requirements
  • Bergen County examples

Understanding Bergen County Property Taxes

Property taxes in Bergen County vary significantly by municipality, ranging from 1.8% to 2.8% of assessed value. Understanding these rates is crucial for budgeting your home purchase.

Lowest Tax Rate:Alpine (1.8%)

On a $1M home: ~$18,000/year

Average Tax Rate:2.19%

On a $725K home: ~$15,878/year

Highest Tax Rate:Hackensack (2.81%)

On a $475K home: ~$13,348/year

Pro Tip: Property taxes are deductible up to $10,000 under current federal tax law (SALT cap). Factor this into your overall budget when shopping for Bergen County homes.

Quick Property Tax Calculator

Estimated Annual Tax:

$18,785/year

$1,565/month

Ready to Buy Your Bergen County Home?

Armed with knowledge and ready to move forward? Get pre-approved today with Bergen County's trusted mortgage expert.

NMLS #1577754 | Your Bergen County Mortgage Resource Since 2010