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City · 40,614 residents · Hudson County, New Jersey

Kearny , New Jersey

In Kearny, a typical home is worth $459,400 and typical rent is $1,720 a month. Compared with all of Hudson County, the typical home value is 15% lower, typical household income is 14% lower, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $459,400

    15% below the county

    About the same as New Jersey

    • Kearny
    • Hudson
    • New Jersey

  • Typical rent

    $1,720a month

    9% below the county

    About the same as New Jersey

    • Kearny
    • Hudson
    • New Jersey

  • Typical household income

    $79,154a year

    14% below the county

    24% below New Jersey

    • Kearny
    • Hudson
    • New Jersey

  • Households that own their home

    43%

    12 points above the county

    21 points below New Jersey

    • Kearny
    • Hudson
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$579,016
1.8% more than 12 months ago
Typical rent
$2,108 a month
1.7% more than 12 months ago

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

Kearny 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 Kearny apart

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

  1. Nearby, in Ampere North, the typical home value is $365,600: 20% less than in Kearny ($459,400).

  2. Nearby, in Newark, the typical rent is $1,392: 19% less than in Kearny ($1,720).

  3. 43% of households in Kearny own their home, against 31% in Hudson County.

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

The homes here

Housing in Kearny

What homes there are in Kearny, 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 42% of them, more than in Hudson County (32%), and no kind reaches half.

Year built

In Kearny, half of the homes were built before 1951; in Hudson County, before 1966.

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

$2,812 a month

Hudson County: $3,300 a month

Without a mortgage

$1,280 a month

Hudson County: $1,311 a month

Owners with a mortgage

58%

Hudson County: 66%

The typical cost for an owner with a mortgage in Kearny is $2,812 a month, less than in Hudson County ($3,300); without one, $1,280.

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

Rents in Kearny rose more slowly than in Hudson County: 32% since 2015–2019, against 36%.

Here income did not keep up with housing: it rose 12%, while home values changed +38% and rent +32%.

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

MeasureKearnyHudson CountyNew JerseyUnited States
Rental vacancy 2.4%4.4%3.5%5.5%
Homeowner vacancy Unreliable estimate1.4%0.7%0.9%
More than one person per room 4.2%7.9%4.0%3.4%
People per household 2.632.372.622.53
Drive alone 63%33%62%69%
Carpool 11%6%8%9%
Public transit 13%31%8%3%
Walk or bike 7%7%3%3%
Work from home 6%21%17%15%
Other means 1%2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Kearny is 2.4%, lower than in Hudson County (4.4%).

More than one person per room: that is how 4.2% of households in Kearny live, less than in Hudson County (7.9%).

On average, a household in Kearny has 2.63 people, more than in Hudson County (2.37).

More people carpool to work in Kearny than in Hudson County: 11% against 6%.

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 Kearny?

A typical home costs more than the typical income allows

We start with a typical home in Kearny, worth $459,400, 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 Kearny, which is $79,154 a year. For that payment to be 28% of income, a household would need to earn about $183,641 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 Kearny. 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 $16,079 (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

$4,285

at 7.18% · 30 years

Loan amount
$451,079
Total interest
$648,997
Paid off in
November 2056

Includes $7,758 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,847 a month

  • Tight

    $1,847 to $2,375 a month

  • Hard

    more than $2,375 a month

    Your payment · 65%

Compared with the typical household income in Kearny ($79,154 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,285
Principal & interest$3,056
Property tax$835
Home insurance$191
FHA mortgage insurance (MIP)$203

You need at least $16,079 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

Kearny and Hudson County

Kearny 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).

Kearny's own numbers

Typical home value
$459,400
Typical monthly rent
$1,720
Typical yearly household income
$79,154
Households that own their home
43%
Effective property tax rate
2.18%

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 Kearny

A typical home in Kearny is worth $459,400: 15% below the county and about the same as New Jersey. With the typical household income in Kearny ($79,154 a year), a typical home costs 5.8 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.

  • Kearny 5.8 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

Kearny 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
  • Kearny $459,400
  • Hudson $539,700
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Kearny $1,720
  • Hudson $1,894
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Kearny $79,154
  • Hudson $91,795
  • New Jersey $103,556
  • United States $80,734
See the full table
Kearny next to Hudson County and New Jersey
Measure Kearny Hudson County New Jersey U.S.
Typical home value $459,400 $539,700 $454,400 $332,700
Typical monthly rent $1,720 $1,894 $1,720 $1,413
Typical yearly household income $79,154 $91,795 $103,556 $80,734
Households that own their home 43% 31% 64% 65%
Typical yearly property tax $10,001 $9,555 $9,590 $3,119
Effective property tax rate 2.18% 1.77% 2.11% 0.94%
Renters with high rent for their income 52% 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 Kearny

For a typical $459,400 home in Kearny, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kearny's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,285a month

    Least cash to close
    Down payment
    $16,079
    Cash to close
    $29,861
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $203

  • Conventional, 5% down $4,201a month

    Down payment
    $22,970
    Cash to close
    $36,752
    Rate
    7.18%
    Mortgage insurance
    PMI · $218

  • Conventional, 20% down, no PMI $3,516a month

    Down payment
    $91,880
    Cash to close
    $105,662
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,940a month

    Down payment
    $68,910
    Cash to close
    $82,692
    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 Kearny and for Hudson County.

Property tax

Effective rate in Kearny

2.18%of the home’s value each year

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

  • Kearny 2.18%
  • 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 Kearny

Typical rent in Kearny is $1,720 a month: 9% below the county. In Kearny, 52% 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 Kearny

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kearny is in ZIP code 07032.

For 2 bedrooms it is $2,600: $192 less than the fair market rent for Hudson County ($2,792).

  • 07032 $2,600$3,160

A ZIP code counts for Kearny 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 Kearny

HUD lists 2 buildings with rents for lower incomes in Kearny. These are the largest.

  • Spruce Terrace 21 Spruce St, Kearny 07032 75 homes, 74 low-income · For older adults
  • Kearny Senior Residence 681 Schuyler Ave, Kearny 07032 49 low-income homes · For older adults

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

Free help

Help to buy or rent in Kearny

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Kearny

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

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

Housing counselors near Kearny

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

  • NSC (naca Counseling Subsidiary) - Newark, NJ

    60 Park Pl Ste 800, Newark · 3 miles away · Spanish

    Also serves in other languages.

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

  • New Jersey Citizen Action

    625 Broad St, Newark · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (973) 643-8800

  • Catholic Charities of the Archdiocese of Newark

    590 N 7th St, Newark · 3 miles away · Spanish

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 3 more
    (973) 596-4100

Every agency in Hudson County All counseling agencies in New Jersey

Help in Spanish near Kearny

3 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 Kearny

In HUD’s record, no housing authority with an office in Hudson County is named for Kearny or Hudson County.

10 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 Kearny, 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 Kearny.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Kearny

Short answers with the numbers for Kearny 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 Kearny?

The typical home value in Kearny is $459,400, 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 Kearny?

Typical rent in Kearny is $1,720 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 Kearny?

Kearny 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 Kearny?

The typical homeowner in Kearny pays $10,001 a year, according to the U.S. Census Bureau. That is 2.18% of the home’s value; in Hudson County, the rate is 1.77%.

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

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).