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City · 71,553 residents · Hudson County, New Jersey

Bayonne , New Jersey

In Bayonne, a typical home is worth $460,100 and typical rent is $1,682 a month. Compared with all of Hudson County, the typical home value is 15% lower, typical rent is 11% lower, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $460,100

    15% below the county

    About the same as New Jersey

    • Bayonne
    • Hudson
    • New Jersey

  • Typical rent

    $1,682a month

    11% below the county

    2% below New Jersey

    • Bayonne
    • Hudson
    • New Jersey

  • Typical household income

    $83,887a year

    9% below the county

    19% below New Jersey

    • Bayonne
    • Hudson
    • New Jersey

  • Households that own their home

    36%

    5 points above the county

    28 points below New Jersey

    • Bayonne
    • Hudson
    • New Jersey

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$588,256
2.4% more than 12 months ago
Typical rent
$2,342 a month
2.7% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Bayonne is in Hudson County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Hudson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bayonne apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Newark, the typical home value is $373,700: 19% less than in Bayonne ($460,100).

  2. Nearby, in Newark, the typical rent is $1,392: 17% less than in Bayonne ($1,682).

  3. Bayonne has the 23rd lowest homeownership rate of the 293 cities in New Jersey with more than 5,000 people (36%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Bayonne

What homes there are in Bayonne, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Bayonne there is a bit of everything: no kind of home reaches half. The most common are buildings of 2 to 4 homes (45%), more than in Hudson County (32%).

Year built

In Bayonne, half of the homes were built before 1954; in Hudson County, before 1966.

There is more room for a big family here: 39% of homes have 3 bedrooms or more, against 28% in Hudson County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Hudson County is high ($1,249,125): at least 99% of owner-occupied homes in Bayonne are worth less than $1,000,000.

Monthly rent with utilities

By rent, most homes in Bayonne cost less than HUD's 2-bedroom fair market rent ($2,792): about 90%.

With a mortgage

$3,348 a month

Hudson County: $3,300 a month

Without a mortgage

$1,402 a month

Hudson County: $1,311 a month

Owners with a mortgage

62%

Hudson County: 66%

The typical cost for an owner with a mortgage in Bayonne is $3,348 a month, near the figure in Hudson County ($3,300).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Bayonne gained value more slowly than in Hudson County: 38% since 2015–2019, against 43%.

Much as in Hudson County, the typical rent in Bayonne rose 34% since 2015–2019.

To compare: typical income in Bayonne rose 31%; the home, +38%; the rent, +34%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBayonneHudson CountyNew JerseyUnited States
Rental vacancy 3.6%4.4%3.5%5.5%
Homeowner vacancy Unreliable estimate1.4%0.7%0.9%
More than one person per room 6.2%7.9%4.0%3.4%
People per household 2.462.372.622.53
Drive alone 51%33%62%69%
Carpool 6%6%8%9%
Public transit 20%31%8%3%
Walk or bike 7%7%3%3%
Work from home 14%21%17%15%
Other means 2%2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Bayonne look like those in Hudson County: the rental vacancy rate is 3.6%.

Fewer households are short on space in Bayonne: 6.2% have more than one person per room; in Hudson County, 7.9%.

By size, households in Bayonne look like those in Hudson County: 2.46 people on average.

In Bayonne, 51% of workers drive alone to work; in Hudson County, 33%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Bayonne?

A typical home costs more than the typical income allows

We start with a typical home in Bayonne, worth $460,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 61% of the typical household income in Bayonne, which is $83,887 a year. For that payment to be 28% of income, a household would need to earn about $183,756 a year.

The calculator's FHA and conventional loan limits are those of all of Hudson County.

Your numbers

Local data
$

Starts at the typical home value in Bayonne. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $16,104 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,288

at 7.18% · 30 years

Loan amount
$451,766
Total interest
$649,985
Paid off in
November 2056

Includes $7,770 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,957 a month

  • Tight

    $1,957 to $2,517 a month

  • Hard

    more than $2,517 a month

    Your payment · 61%

Compared with the typical household income in Bayonne ($83,887 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,288
Principal & interest$3,060
Property tax$832
Home insurance$192
FHA mortgage insurance (MIP)$203

You need at least $16,104 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Bayonne and Hudson County

Bayonne is in Hudson County, New Jersey. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Bayonne's own numbers

Typical home value
$460,100
Typical monthly rent
$1,682
Typical yearly household income
$83,887
Households that own their home
36%
Effective property tax rate
2.17%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Hudson County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,792
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
15%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Hudson County.

Everything about Hudson County

Buying

Buying a home in Bayonne

A typical home in Bayonne is worth $460,100: 15% below the county and about the same as New Jersey. With the typical household income in Bayonne ($83,887 a year), a typical home costs 5.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Bayonne 5.5 years
  • Hudson 5.9 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hudson County

According to FHFA’s house price index, home prices in Hudson County rose 107% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Hudson County.

Period County New Jersey U.S.
Last year (2025) +9.6% +6.2% +2.9%
5 years (2020–2025) +48% +63% +47%
10 years (2015–2025) +107% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Bayonne next to Hudson County, New Jersey and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Bayonne $460,100
  • Hudson $539,700
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Bayonne $1,682
  • Hudson $1,894
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Bayonne $83,887
  • Hudson $91,795
  • New Jersey $103,556
  • United States $80,734
See the full table
Bayonne next to Hudson County and New Jersey
Measure Bayonne Hudson County New Jersey U.S.
Typical home value $460,100 $539,700 $454,400 $332,700
Typical monthly rent $1,682 $1,894 $1,720 $1,413
Typical yearly household income $83,887 $91,795 $103,556 $80,734
Households that own their home 36% 31% 64% 65%
Typical yearly property tax $10,001 $9,555 $9,590 $3,119
Effective property tax rate 2.17% 1.77% 2.11% 0.94%
Renters with high rent for their income 47% 46% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hudson County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Bayonne

For a typical $460,100 home in Bayonne, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bayonne's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,288a month

    Least cash to close
    Down payment
    $16,104
    Cash to close
    $29,907
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $203

  • Conventional, 5% down $4,203a month

    Down payment
    $23,005
    Cash to close
    $36,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $219

  • Conventional, 20% down, no PMI $3,517a month

    Down payment
    $92,020
    Cash to close
    $105,823
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,943a month

    Down payment
    $69,015
    Cash to close
    $82,818
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bayonne and for Hudson County.

Property tax

Effective rate in Bayonne

2.17%of the home’s value each year

$10,001 a year for the typical owner in Bayonne.

  • Bayonne 2.17%
  • Hudson 1.77%
  • New Jersey 2.11%

What New Jersey publishes ANCHOR, Senior Freeze and Stay NJ: one combined application (New Jersey Division of Taxation)

Exemptions and deadlines in New Jersey

Flood risk in Hudson County

FEMA does not publish these numbers by city: they are for all of Hudson County.

Homes in the high-risk zone
15%
13,150
Of those, with NFIP insurance
18%
County New Jersey U.S.
Homes in the high-risk zone 15% 6.7% 3.5%
Of those, with NFIP insurance 18% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bayonne

Typical rent in Bayonne is $1,682 a month: 11% below the county. In Bayonne, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hudson County, by unit size. To pay the 2-bedroom one ($2,792 a month) without spending more than 30% of your income, you would need to earn $53.69 an hour working full time.

HUD fair market rent for all of Hudson County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,462 $47.35 $98,480
1 bedroom $2,514 $48.35 $100,560
2 bedrooms $2,792 $53.69 $111,680
3 bedrooms $3,392 $65.23 $135,680
4 bedrooms $3,976 $76.46 $159,040

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Bayonne

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bayonne is in ZIP code 07002.

For 2 bedrooms it is $2,500: $292 less than the fair market rent for Hudson County ($2,792).

  • 07002 $2,500$3,040

A ZIP code counts for Bayonne when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Bayonne

HUD lists 11 buildings with rents for lower incomes in Bayonne. These are the largest.

  • Bergen Point 159 W 2nd St, Bayonne 07002 471 homes, 469 low-income · Run by Bayonne Housing Authority · Average payment: $702 a month · Average wait: 16 months (201) 339-8700
  • Back Bay GRDNS 535 Avenue A, Bayonne 07002 418 homes, 413 low-income · Run by Bayonne Housing Authority · Average payment: $473 a month · Average wait: 20 months (201) 339-8700
  • Hook VLG/KVK Annex 24 E 21st St, Bayonne 07002 388 homes, 386 low-income · Run by Bayonne Housing Authority · Average payment: $566 a month · Average wait: 21 months (201) 339-8700
  • Post Road Gardens 549 Avenue A, Bayonne 07002 250 low-income homes · For older adults
  • Platty Kill Manor PO Box 26, Bayonne 07002 147 homes, 146 low-income · For families (201) 436-3305

See all 207 buildings in Hudson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Bayonne

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in Hudson County; 1 says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Bayonne

No down payment, repair or rent-help program on our list is for Bayonne or Hudson County. The ones below are statewide in New Jersey: they work in Bayonne the same as in the rest of the state.

Which programs do I qualify for? All programs in New Jersey

Housing counselors near Bayonne

The HUD-approved agencies closest to the center of Bayonne, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • The Waterfront Project, Inc.

    830 Bergen Ave., Jersey City · 5 miles away · Spanish

    Also serves in Arabic, Cambodian, Cantonese, Mandarin Chinese, and 17 more languages.

    • Mortgage delinquency and default
    • Rental counseling
    • and 1 more
    (551) 256-7578

  • Urban League of Union County

    1139 E Jersey St Ste 515, Elizabeth · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (908) 351-7200

  • NSC (naca Counseling Subsidiary) - Newark, NJ

    60 Park Pl Ste 800, Newark · 6 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (973) 679-2601

Every agency in Hudson County All counseling agencies in New Jersey

Help in Spanish near Bayonne

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bayonne

HUD’s record names them for Bayonne or Hudson County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Bayonne Housing Authority Public housing and Section 8 vouchers (201) 339-8700

9 other authorities have an office in Hudson County: see the list Source: HUD

Cities

Other cities in Hudson County

These cities are also in Hudson County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Hudson County Housing in New Jersey

Nearby cities

The cities closest to Bayonne, with the typical home value.

Neighboring counties

If Hudson County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bayonne.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Bayonne

Short answers with the numbers for Bayonne and all of Hudson County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Bayonne?

The typical home value in Bayonne is $460,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hudson County it is $539,700.

How much does it cost to rent in Bayonne?

Typical rent in Bayonne is $1,682 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hudson County is $2,792.

What is the FHA loan limit in Bayonne?

Bayonne uses the FHA limit for all of Hudson County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Bayonne?

The typical homeowner in Bayonne pays $10,001 a year, according to the U.S. Census Bureau. That is 2.17% of the home’s value; in Hudson County, the rate is 1.77%.

Where can I find free help to buy or rent in Bayonne?

There are 2 HUD-approved counseling agencies with an office in Hudson County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).