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City · 10,996 residents · Bergen County, New Jersey

Little Ferry , New Jersey

In Little Ferry, a typical home is worth $429,300 and typical rent is $1,783 a month. Compared with all of Bergen County, typical household income is 31% lower, the typical home value is 31% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $429,300

    31% below the county

    6% below New Jersey

    • Little Ferry
    • Bergen
    • New Jersey

  • Typical rent

    $1,783a month

    7% below the county

    4% above New Jersey

    • Little Ferry
    • Bergen
    • New Jersey

  • Typical household income

    $85,750a year

    31% below the county

    17% below New Jersey

    • Little Ferry
    • Bergen
    • New Jersey

  • Households that own their home

    46%

    20 points below the county

    18 points below New Jersey

    • Little Ferry
    • Bergen
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$597,613
5.1% more than 12 months ago
Typical rent
$2,512 a month

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

Little Ferry 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 Little Ferry apart

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

  1. 46% of households in Little Ferry own their home, against 65% in Bergen County.

  2. The typical household income in Little Ferry is $85,750, 31% less than in Bergen County as a whole ($124,884).

  3. The typical home in Little Ferry is worth $429,300, 31% less than in Bergen County as a whole ($623,000).

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

The homes here

Housing in Little Ferry

What homes there are in Little Ferry, 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 in Little Ferry are varied: detached houses are the largest group, at 34%, against 53% in Bergen County.

Year built

Here half of the homes date from 1964 or later; in Bergen County, from 1960 or later.

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

$3,147 a month

Bergen County: $3,547 a month

Without a mortgage

$1,412 a month

Bergen County: $1,498 a month

Owners with a mortgage

53%

Bergen County: 62%

Owning costs less in Little Ferry: with a mortgage, the typical cost is $3,147 a month; in Bergen County, $3,547. Without one, $1,412.

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

The typical home value in Little Ferry rose 30% since 2015–2019, about the same as in Bergen County (33%).

The typical rent in Little Ferry rose 32% over the same time; in Bergen County, it rose 27%.

The typical household income in Little Ferry rose 30% over that time; home values changed +30% 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

MeasureLittle FerryBergen CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.0%3.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room Unreliable estimate3.7%4.0%3.4%
People per household 2.432.682.622.53
Drive alone 69%59%62%69%
Carpool 10%7%8%9%
Public transit 15%10%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 6%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Little Ferry are smaller: 2.43 people on average; in Bergen County, 2.68.

In Little Ferry, 15% of workers get to work by public transit; in Bergen County, 10%.

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 Little Ferry?

A typical home costs more than the typical income allows

We start with a typical home in Little Ferry, worth $429,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 57% of the typical household income in Little Ferry, which is $85,750 a year. For that payment to be 28% of income, a household would need to earn about $173,908 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 Little Ferry. 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 $15,026 (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

$4,058

at 7.18% · 30 years

Loan amount
$421,524
Total interest
$606,474
Paid off in
November 2056

Includes $7,250 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,001 a month

  • Tight

    $2,001 to $2,573 a month

  • Hard

    more than $2,573 a month

    Your payment · 57%

Compared with the typical household income in Little Ferry ($85,750 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,058
Principal & interest$2,856
Property tax$834
Home insurance$179
FHA mortgage insurance (MIP)$190

You need at least $15,026 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

Little Ferry and Bergen County

Little Ferry 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).

Little Ferry's own numbers

Typical home value
$429,300
Typical monthly rent
$1,783
Typical yearly household income
$85,750
Households that own their home
46%
Effective property tax rate
2.33%

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 Little Ferry

A typical home in Little Ferry is worth $429,300: 31% below the county and 6% below New Jersey. With the typical household income in Little Ferry ($85,750 a year), a typical home costs 5.0 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.

  • Little Ferry 5.0 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

Little Ferry 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
  • Little Ferry $429,300
  • Bergen $623,000
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Little Ferry $1,783
  • Bergen $1,914
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Little Ferry $85,750
  • Bergen $124,884
  • New Jersey $103,556
  • United States $80,734
See the full table
Little Ferry next to Bergen County and New Jersey
Measure Little Ferry Bergen County New Jersey U.S.
Typical home value $429,300 $623,000 $454,400 $332,700
Typical monthly rent $1,783 $1,914 $1,720 $1,413
Typical yearly household income $85,750 $124,884 $103,556 $80,734
Households that own their home 46% 65% 64% 65%
Typical yearly property tax $10,001 $10,001 $9,590 $3,119
Effective property tax rate 2.33% 1.61% 2.11% 0.94%
Renters with high rent for their income 47% 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 Little Ferry

For a typical $429,300 home in Little Ferry, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Little Ferry's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,058a month

    Least cash to close
    Down payment
    $15,026
    Cash to close
    $27,905
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $190

  • Conventional, 5% down $3,979a month

    Down payment
    $21,465
    Cash to close
    $34,344
    Rate
    7.18%
    Mortgage insurance
    PMI · $204

  • Conventional, 20% down, no PMI $3,339a month

    Down payment
    $85,860
    Cash to close
    $98,739
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,736a month

    Down payment
    $64,395
    Cash to close
    $77,274
    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 Little Ferry and for Bergen County.

Property tax

Effective rate in Little Ferry

2.33%of the home’s value each year

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

  • Little Ferry 2.33%
  • 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 Little Ferry

Typical rent in Little Ferry is $1,783 a month: 7% below the county. In Little Ferry, 47% 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 Little Ferry

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Little Ferry is in ZIP code 07643.

For 2 bedrooms it is $2,270: $12 less than the fair market rent for Bergen County ($2,282).

  • 07643 $2,270$2,760

A ZIP code counts for Little Ferry 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?

Free help

Help to buy or rent in Little Ferry

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 leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Little Ferry

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

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

Housing counselors near Little Ferry

The HUD-approved agencies closest to the center of Little Ferry, 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

  • North Hudson Community Action Corporation

    407 39th St Apt 2, Union City · 5 miles away

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 5 more
    (201) 210-0100

Every agency in Bergen County All counseling agencies in New Jersey

Help in Spanish near Little Ferry

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 Little Ferry

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

  • Housing Authority of Bergen County Section 8 vouchers (201) 336-7600

6 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 Little Ferry, 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 Little Ferry.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Little Ferry

Short answers with the numbers for Little Ferry 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 Little Ferry?

The typical home value in Little Ferry is $429,300, 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 Little Ferry?

Typical rent in Little Ferry is $1,783 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 Little Ferry?

Little Ferry 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 Little Ferry?

The typical homeowner in Little Ferry pays $10,001 a year, according to the U.S. Census Bureau. That is 2.33% of the home’s value; in Bergen County, the rate is 1.61%.

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

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).