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City · 32,783 residents · Bergen County, New Jersey

Garfield , New Jersey

In Garfield, a typical home is worth $475,500 and typical rent is $1,688 a month. Compared with all of Bergen County, typical household income is 36% lower, the typical home value is 24% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $475,500

    24% below the county

    5% above New Jersey

    • Garfield
    • Bergen
    • New Jersey

  • Typical rent

    $1,688a month

    12% below the county

    About the same as New Jersey

    • Garfield
    • Bergen
    • New Jersey

  • Typical household income

    $79,700a year

    36% below the county

    23% below New Jersey

    • Garfield
    • Bergen
    • New Jersey

  • Households that own their home

    45%

    21 points below the county

    19 points below New Jersey

    • Garfield
    • Bergen
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$589,179
2.7% more than 12 months ago
Typical rent
$2,433 a month
7.9% more than 12 months ago

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

Garfield is in Bergen 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 Bergen County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Garfield apart

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

  1. 45% of households in Garfield own their home, against 65% in Bergen County.

  2. The typical household income in Garfield is $79,700, 36% less than in Bergen County as a whole ($124,884).

  3. The typical home in Garfield is worth $475,500, 24% less than in Bergen County as a whole ($623,000).

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

The homes here

Housing in Garfield

What homes there are in Garfield, 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

Homes here are varied: buildings of 2 to 4 homes are 59% of them, more than in Bergen County (18%), and no kind reaches half.

Year built

Homes in Garfield are older: the typical year built is 1954; in Bergen County, 1960.

In Garfield, 16% of homes have 1 bedroom or none (studios); 40% have 3 bedrooms or more, against 58% in Bergen 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
Monthly rent with utilities

With a mortgage

$2,870 a month

Bergen County: $3,547 a month

Without a mortgage

$1,134 a month

Bergen County: $1,498 a month

Owners with a mortgage

63%

Bergen County: 62%

In Garfield, 63% of owners have a mortgage, and their typical cost is $2,870 a month, against $3,547 in Bergen County. Without one it drops to $1,134.

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, the typical home value in Garfield rose 41%; in Bergen County, it rose 33%.

The typical rent in Garfield rose 27% since 2015–2019, about the same as in Bergen County (27%).

To compare: typical income in Garfield rose 27%; the home, +41%; the rent, +27%.

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

MeasureGarfieldBergen CountyNew JerseyUnited States
Rental vacancy 4.3%3.0%3.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room 7.5%3.7%4.0%3.4%
People per household 2.932.682.622.53
Drive alone 68%59%62%69%
Carpool 11%7%8%9%
Public transit 6%10%8%3%
Walk or bike 6%3%3%3%
Work from home 7%19%17%15%
Other means 3%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Garfield, the rental vacancy rate is 4.3%; in Bergen County, 3.0%.

In Garfield, 7.5% of households live with more than one person per room, against 3.7% in Bergen County.

More people live in each home here: 2.93 on average, against 2.68 in Bergen County.

In Garfield, 11% of workers share a car to get to work; in Bergen County, 7%.

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 Garfield?

A typical home costs more than the typical income allows

We start with a typical home in Garfield, worth $475,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in Garfield, which is $79,700 a year. For that payment to be 28% of income, a household would need to earn about $186,340 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Garfield. 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 $16,643 (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

$4,348

at 7.18% · 30 years

Loan amount
$466,887
Total interest
$671,741
Paid off in
November 2056

Includes $8,030 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,860 a month

  • Tight

    $1,860 to $2,391 a month

  • Hard

    more than $2,391 a month

    Your payment · 65%

Compared with the typical household income in Garfield ($79,700 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,348
Principal & interest$3,163
Property tax$777
Home insurance$198
FHA mortgage insurance (MIP)$210

You need at least $16,643 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

Garfield and Bergen County

Garfield is in Bergen 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).

Garfield's own numbers

Typical home value
$475,500
Typical monthly rent
$1,688
Typical yearly household income
$79,700
Households that own their home
45%
Effective property tax rate
1.96%

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

Numbers for all of Bergen 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)
+52%
Homes in a high flood-risk zone
4%

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 Bergen County.

Everything about Bergen County

Buying

Buying a home in Garfield

A typical home in Garfield is worth $475,500: 24% below the county and 5% above New Jersey. With the typical household income in Garfield ($79,700 a year), a typical home costs 6.0 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.

  • Garfield 6.0 years
  • Bergen 5.0 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Bergen County

According to FHFA’s house price index, home prices in Bergen County rose 74% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.8% +6.2% +2.9%
5 years (2020–2025) +52% +63% +47%
10 years (2015–2025) +74% +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

Garfield next to Bergen 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
  • Garfield $475,500
  • Bergen $623,000
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Garfield $1,688
  • Bergen $1,914
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Garfield $79,700
  • Bergen $124,884
  • New Jersey $103,556
  • United States $80,734
See the full table
Garfield next to Bergen County and New Jersey
Measure Garfield Bergen County New Jersey U.S.
Typical home value $475,500 $623,000 $454,400 $332,700
Typical monthly rent $1,688 $1,914 $1,720 $1,413
Typical yearly household income $79,700 $124,884 $103,556 $80,734
Households that own their home 45% 65% 64% 65%
Typical yearly property tax $9,308 $10,001 $9,590 $3,119
Effective property tax rate 1.96% 1.61% 2.11% 0.94%
Renters with high rent for their income 53% 51% 52% 51%

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

For a typical $475,500 home in Garfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Garfield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,348a month

    Least cash to close
    Down payment
    $16,643
    Cash to close
    $30,908
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $210

  • Conventional, 5% down $4,261a month

    Down payment
    $23,775
    Cash to close
    $38,040
    Rate
    7.18%
    Mortgage insurance
    PMI · $226

  • Conventional, 20% down, no PMI $3,552a month

    Down payment
    $95,100
    Cash to close
    $109,365
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,991a month

    Down payment
    $71,325
    Cash to close
    $85,590
    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 Garfield and for Bergen County.

Property tax

Effective rate in Garfield

1.96%of the home’s value each year

$9,308 a year for the typical owner in Garfield.

  • Garfield 1.96%
  • Bergen 1.61%
  • 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 Bergen County

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

Homes in the high-risk zone
4%
10,177
Of those, with NFIP insurance
41%
County New Jersey U.S.
Homes in the high-risk zone 4% 6.7% 3.5%
Of those, with NFIP insurance 41% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Garfield

Typical rent in Garfield is $1,688 a month: 12% below the county. In Garfield, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Bergen 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 Bergen 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 Garfield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Garfield is in ZIP code 07026.

For 2 bedrooms it is $2,140: $142 less than the fair market rent for Bergen County ($2,282).

  • 07026 $2,140$2,600

A ZIP code counts for Garfield 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 Garfield

HUD lists 5 buildings with rents for lower incomes in Garfield. These are the largest.

  • Gen Pulaski CT 19 Daniel P Conte Ct, Garfield 07026 171 low-income homes · Run by Garfield Housing Authority · Average payment: $681 a month · Average wait: 228 months (973) 340-4170
  • Golden TWS 225 Midland Ave, Garfield 07026 150 homes, 149 low-income · Run by Garfield Housing Authority · Average payment: $536 a month · Average wait: 203 months (973) 340-4170
  • Belmont GRDN 377 Midland Ave, Garfield 07026 135 low-income homes · Run by Garfield Housing Authority · Average payment: $532 a month · Average wait: 230 months (973) 340-4170
  • Garfield Senior Housing Program 15 Commerce St, Garfield 36 homes, 35 low-income · In service since 2012 · For older adults
  • Garfield Senior Housing #471 15 Commerce St, Garfield 07026 36 homes · In service since 2012

See all 74 buildings in Bergen County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Garfield

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 Bergen County; none says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Garfield

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

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

Housing counselors near Garfield

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

  • County of Bergen, Department of Human Services, Division of Senior Services

    1 Bergen County Plz, Hackensack · 3 miles away

    • Mortgage delinquency and default
    • Reverse mortgage counseling
    (201) 336-7400

  • Fair Housing Council of Northern New Jersey

    131 Main St Ste 140, Hackensack · 3 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 2 more
    (201) 489-3552

  • 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

Every agency in Bergen County All counseling agencies in New Jersey

Help in Spanish near Garfield

None 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 Garfield

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

5 other authorities have an office in Bergen County: see the list Source: HUD

Cities

Other cities in Bergen County

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

Everything about Bergen County Housing in New Jersey
See 38 more cities in Bergen County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Bergen 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 Garfield.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Garfield

Short answers with the numbers for Garfield and all of Bergen 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 Garfield?

The typical home value in Garfield is $475,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bergen County it is $623,000.

How much does it cost to rent in Garfield?

Typical rent in Garfield is $1,688 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bergen County is $2,282.

What is the FHA loan limit in Garfield?

Garfield uses the FHA limit for all of Bergen 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 Garfield?

The typical homeowner in Garfield pays $9,308 a year, according to the U.S. Census Bureau. That is 1.96% of the home’s value; in Bergen County, the rate is 1.61%.

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

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