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Ridgefield borough, NJ

ZIP 07657 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07657

Median Home Value
$609,700
Median Rent
$1,816
Affordability Snapshot
$168,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,917/mo PITI).

19%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

28.0 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 07657 in Ridgefield borough, NJ, a household would need roughly $168,000 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 $3,917. That is about 45% above the local median household income ($115,676), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
46.8%-28% vs US avg
x
Vacancy Rate
2.6%-75% vs US avg
x
Broadband Access
97.6%+12% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
12.1%-5% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
24.5%-51% vs US avg
x
Mortgage-Free
34.2%-10% vs US avg
x
$609,700
Home Value
$1,816
Rent
1957
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached39.8%
  • 1-unit attached10.9%
  • 2-9 units41.2%
  • 10+ units8.1%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$609,700
Median rent$1,816
Owner-occupied46.8%
Vacant2.6%
Price-to-income5.3x
Est. income to buy$168,000