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City · 89,379 residents · Passaic County, New Jersey

Clifton , New Jersey

In Clifton, a typical home is worth $461,900 and typical rent is $1,711 a month. Compared with all of Passaic County, typical household income is 12% higher, typical rent is 6% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $461,900

    About the same as the county

    About the same as New Jersey

    • Clifton
    • Passaic
    • New Jersey

  • Typical rent

    $1,711a month

    6% above the county

    About the same as New Jersey

    • Clifton
    • Passaic
    • New Jersey

  • Typical household income

    $98,237a year

    12% above the county

    5% below New Jersey

    • Clifton
    • Passaic
    • New Jersey

  • Households that own their home

    60%

    6 points above the county

    4 points below New Jersey

    • Clifton
    • Passaic
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$608,762
3.8% more than 12 months ago
Typical rent
$2,605 a month
5.2% more than 12 months ago

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

Clifton is in Passaic 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 Passaic County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Clifton apart

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

  1. 60% of households in Clifton own their home, against 53% in Passaic County.

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

The homes here

Housing in Clifton

What homes there are in Clifton, 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 Clifton there is a bit of everything: no kind of home reaches half. The most common are detached houses (46%), more than in Passaic County (42%).

Year built

Homes in Clifton are older: the typical year built is 1951; in Passaic County, 1956.

By size, homes in Clifton look like those in Passaic County: 49% have 3 bedrooms or more.

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

At least 97% of owner-occupied homes in Clifton are worth less than $1,000,000, below the FHA loan limit for Passaic County ($1,249,125).

Monthly rent with utilities

By rent, most homes in Clifton cost less than HUD's 2-bedroom fair market rent ($2,282): about 81%.

With a mortgage

$3,004 a month

Passaic County: $3,014 a month

Without a mortgage

$1,316 a month

Passaic County: $1,400 a month

Owners with a mortgage

61%

Passaic County: 65%

In Clifton, 61% of owners have a mortgage; their typical cost is $3,004 a month, about the same as in Passaic County.

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

From 2015–2019 to 2020–2024, home values in Clifton rose at about the same pace as in Passaic County: 34% against 34%.

The typical rent in Clifton rose 21% over the same time; in Passaic County, it rose 25%.

While home values in Clifton changed +34% and rent +21%, the typical household income rose 28%.

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

MeasureCliftonPassaic CountyNew JerseyUnited States
Rental vacancy Unreliable estimate2.1%3.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room 4.6%7.7%4.0%3.4%
People per household 2.652.862.622.53
Drive alone 67%65%62%69%
Carpool 8%11%8%9%
Public transit 9%6%8%3%
Walk or bike 2%4%3%3%
Work from home 13%12%17%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Clifton, 4.6% of households live with more than one person per room, against 7.7% in Passaic County.

On average, a household in Clifton has 2.65 people, fewer than in Passaic County (2.86).

To get to work, 67% of workers in Clifton drive alone; in Passaic County, 65%.

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 Clifton?

A typical home costs more than the typical income allows

We start with a typical home in Clifton, worth $461,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Clifton, which is $98,237 a year. For that payment to be 28% of income, a household would need to earn about $184,475 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Clifton. 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 $16,167 (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

$4,304

at 7.18% · 30 years

Loan amount
$453,533
Total interest
$652,528
Paid off in
November 2056

Includes $7,800 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,292 a month

  • Tight

    $2,292 to $2,947 a month

  • Hard

    more than $2,947 a month

    Your payment · 53%

Compared with the typical household income in Clifton ($98,237 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,304
Principal & interest$3,072
Property tax$835
Home insurance$193
FHA mortgage insurance (MIP)$204

You need at least $16,167 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

Clifton and Passaic County

Clifton is in Passaic 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).

Clifton's own numbers

Typical home value
$461,900
Typical monthly rent
$1,711
Typical yearly household income
$98,237
Households that own their home
60%
Effective property tax rate
2.17%

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

Numbers for all of Passaic County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,282
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
3.7%

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 Passaic County.

Everything about Passaic County

Buying

Buying a home in Clifton

A typical home in Clifton is worth $461,900: about the same as the county and about the same as New Jersey. With the typical household income in Clifton ($98,237 a year), a typical home costs 4.7 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.

  • Clifton 4.7 years
  • Passaic 5.3 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Passaic County

According to FHFA’s house price index, home prices in Passaic County rose 87% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.8% +6.2% +2.9%
5 years (2020–2025) +58% +63% +47%
10 years (2015–2025) +87% +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

Clifton next to Passaic 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
  • Clifton $461,900
  • Passaic $459,500
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Clifton $1,711
  • Passaic $1,621
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Clifton $98,237
  • Passaic $87,522
  • New Jersey $103,556
  • United States $80,734
See the full table
Clifton next to Passaic County and New Jersey
Measure Clifton Passaic County New Jersey U.S.
Typical home value $461,900 $459,500 $454,400 $332,700
Typical monthly rent $1,711 $1,621 $1,720 $1,413
Typical yearly household income $98,237 $87,522 $103,556 $80,734
Households that own their home 60% 53% 64% 65%
Typical yearly property tax $10,001 $10,001 $9,590 $3,119
Effective property tax rate 2.17% 2.18% 2.11% 0.94%
Renters with high rent for their income 58% 57% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Passaic 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 Clifton

For a typical $461,900 home in Clifton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clifton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,304a month

    Least cash to close
    Down payment
    $16,167
    Cash to close
    $30,024
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $204

  • Conventional, 5% down $4,220a month

    Down payment
    $23,095
    Cash to close
    $36,952
    Rate
    7.18%
    Mortgage insurance
    PMI · $219

  • Conventional, 20% down, no PMI $3,531a month

    Down payment
    $92,380
    Cash to close
    $106,237
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,958a month

    Down payment
    $69,285
    Cash to close
    $83,142
    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 Clifton and for Passaic County.

Property tax

Effective rate in Clifton

2.17%of the home’s value each year

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

  • Clifton 2.17%
  • Passaic 2.18%
  • 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 Passaic County

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

Homes in the high-risk zone
3.7%
3,719
Of those, with NFIP insurance
48%
County New Jersey U.S.
Homes in the high-risk zone 3.7% 6.7% 3.5%
Of those, with NFIP insurance 48% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Clifton

Typical rent in Clifton is $1,711 a month: 6% above the county. In Clifton, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Passaic County, by unit size. To pay the 2-bedroom one ($2,282 a month) without spending more than 30% of your income, you would need to earn $43.88 an hour working full time.

HUD fair market rent for all of Passaic 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 $1,772 $34.08 $70,880
1 bedroom $1,987 $38.21 $79,480
2 bedrooms $2,282 $43.88 $91,280
3 bedrooms $2,771 $53.29 $110,840
4 bedrooms $3,497 $67.25 $139,880

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 Clifton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clifton has 4 ZIP codes with their own.

For 2 bedrooms it runs from $2,210 in 07012 to $2,770 in 07014.

2 of the 4 are above the fair market rent for Passaic County ($2,282).

  • 07011 $2,240$2,720
  • 07012 $2,210$2,680
  • 07013 $2,310$2,810
  • 07014 $2,770$3,360

A ZIP code counts for Clifton 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 Clifton

HUD lists 13 buildings with rents for lower incomes in Clifton. These are the largest.

  • Evergreen Manor 50 Sade St, Clifton 07013 203 homes, 202 low-income · For older adults
  • Daughters of Miriam II 135 Hazel St, Clifton 07011 150 low-income homes · For older adults
  • Senior Housing of Hazel Street 127 Hazel St, Clifton 07011 120 homes, 108 low-income · For older adults
  • Horizons at Clifton II 672 Van Houten Ave, Clifton 104 low-income homes · In service since 2008
  • Horizons at Clifton III 672 Van Houten Ave, Clifton 104 low-income homes · In service since 2009

See all 109 buildings in Passaic County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Clifton

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 Passaic County; none says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Clifton

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

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

Housing counselors near Clifton

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

  • Paterson Task Force for Community Action, Inc

    191 Market St, Paterson · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    973-279-2333-135

  • Housing Authority of the City of Paterson

    60 Van Houten St, Paterson · 4 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (973) 345-5085

  • Consumer Credit and Budget Counseling, DBA National Foundation for Debt Management

    26 Park St Ste 2000, Montclair · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (727) 755-8558

Every agency in Passaic County All counseling agencies in New Jersey

Help in Spanish near Clifton

1 of the 3 agencies on this list says it serves 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 Clifton

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

2 other authorities have an office in Passaic County: see the list Source: HUD

Cities

Other cities in Passaic County

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

Everything about Passaic County Housing in New Jersey
See 2 more cities in Passaic County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Passaic 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 Clifton.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Clifton

Short answers with the numbers for Clifton and all of Passaic 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 Clifton?

The typical home value in Clifton is $461,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Passaic County it is $459,500.

How much does it cost to rent in Clifton?

Typical rent in Clifton is $1,711 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Passaic County is $2,282.

What is the FHA loan limit in Clifton?

Clifton uses the FHA limit for all of Passaic 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 Clifton?

The typical homeowner in Clifton pays $10,001 a year, according to the U.S. Census Bureau. That is 2.17% of the home’s value; in Passaic County, the rate is 2.18%.

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

There are 2 HUD-approved counseling agencies with an office in Passaic County. 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).