US5.com
  1. Home
  2. States
  3. New Jersey
  4. ZIP 07070
  5. Housing & Real Estate
Rutherford borough, NJ

ZIP 07070 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07070

Median Home Value
$580,800
Median Rent
$1,699
Affordability Snapshot
$160,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,731/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 07070 in Rutherford borough, NJ, a household would need roughly $160,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,731. That is about 18% above the local median household income ($136,069), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.1%-4% vs US avg
x
Vacancy Rate
2.9%-72% vs US avg
x
Broadband Access
90.9%+4% vs US avg
x
4+ Bedrooms
5.1%-65% vs US avg
x
Built Pre-1939
14.2%+11% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
16.4%-67% vs US avg
x
Mortgage-Free
41.2%+8% vs US avg
x
$580,800
Home Value
$1,699
Rent
1945
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached56.0%
  • 1-unit attached1.9%
  • 2-9 units24.7%
  • 10+ units15.9%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$580,800
Median rent$1,699
Owner-occupied63.1%
Vacant2.9%
Price-to-income4.3x
Est. income to buy$160,000