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City · 14,805 residents · Bergen County, New Jersey

Ramsey , New Jersey

In Ramsey, a typical home is worth $697,300 and typical rent is $2,245 a month. Compared with all of Bergen County, typical household income is 29% higher, typical rent is 17% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $697,300

    12% above the county

    53% above New Jersey

    • Ramsey
    • Bergen
    • New Jersey

  • Typical rent

    $2,245a month

    17% above the county

    31% above New Jersey

    • Ramsey
    • Bergen
    • New Jersey

  • Typical household income

    $160,996a year

    29% above the county

    55% above New Jersey

    • Ramsey
    • Bergen
    • New Jersey

  • Households that own their home

    79%

    14 points above the county

    15 points above New Jersey

    • Ramsey
    • Bergen
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$883,930
10.4% more than 12 months ago

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

Ramsey 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 Ramsey apart

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

  1. According to Zillow, in the 12 months to September 2026 the typical home value in Ramsey rose 10.4%; in New Jersey, it rose 4%.

  2. The typical household income in Ramsey is $160,996, 29% more than in Bergen County as a whole ($124,884).

  3. 79% of households in Ramsey own their home, against 65% in Bergen County.

  4. Nearby, in Midland Park, the typical rent is $1,853: 17% less than in Ramsey ($2,245).

  5. Nearby, in Waldwick, the typical home value is $588,500: 16% less than in Ramsey ($697,300).

  6. The typical rent in Ramsey is $2,245 a month, 17% more than in Bergen County as a whole ($1,914).

Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data

The homes here

Housing in Ramsey

What homes there are in Ramsey, 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

The detached house rules in Ramsey: 65% of homes, more than in Bergen County (53%).

Year built

Here half of the homes date from 1968 or later; in Bergen County, from 1960 or later.

In Ramsey, 69% of homes have 3 bedrooms or more, more than in Bergen County (58%).

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

$3,929 a month

Bergen County: $3,547 a month

Owners with a mortgage

65%

Bergen County: 62%

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 Ramsey rose 16%; in Bergen County, it rose 33%.

Since 2015–2019, the typical rent in Ramsey rose 36%, more than in Bergen County (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

MeasureRamseyBergen 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 2.702.682.622.53
Drive alone 66%59%62%69%
Carpool Unreliable estimate7%8%9%
Public transit 7%10%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 23%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Ramsey has 2.70 people on average, about the same as in Bergen County (2.68).

Many people here do not commute at all: 23% work from home; in Bergen County, 19%.

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 Ramsey?

A typical home costs more than the typical income allows

We start with a typical home in Ramsey, worth $697,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Ramsey, which is $160,996 a year. For that payment to be 28% of income, a household would need to earn about $260,061 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 Ramsey. 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 $24,406 (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

$6,068

at 7.18% · 30 years

Loan amount
$684,670
Total interest
$985,079
Paid off in
November 2056

Includes $11,776 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,757 a month

  • Tight

    $3,757 to $4,830 a month

  • Hard

    more than $4,830 a month

    Your payment · 45%

Compared with the typical household income in Ramsey ($160,996 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,068
Principal & interest$4,638
Property tax$831
Home insurance$291
FHA mortgage insurance (MIP)$308

You need at least $24,406 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

Ramsey and Bergen County

Ramsey 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).

Ramsey's own numbers

Typical home value
$697,300
Typical monthly rent
$2,245
Typical yearly household income
$160,996
Households that own their home
79%
Effective property tax rate
1.43%

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 Ramsey

A typical home in Ramsey is worth $697,300: 12% above the county and 53% above New Jersey. With the typical household income in Ramsey ($160,996 a year), a typical home costs 4.3 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.

  • Ramsey 4.3 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

Ramsey 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
  • Ramsey $697,300
  • Bergen $623,000
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Ramsey $2,245
  • Bergen $1,914
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Ramsey $160,996
  • Bergen $124,884
  • New Jersey $103,556
  • United States $80,734
See the full table
Ramsey next to Bergen County and New Jersey
Measure Ramsey Bergen County New Jersey U.S.
Typical home value $697,300 $623,000 $454,400 $332,700
Typical monthly rent $2,245 $1,914 $1,720 $1,413
Typical yearly household income $160,996 $124,884 $103,556 $80,734
Households that own their home 79% 65% 64% 65%
Typical yearly property tax $10,001 $10,001 $9,590 $3,119
Effective property tax rate 1.43% 1.61% 2.11% 0.94%
Renters with high rent for their income 58% 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 Ramsey

For a typical $697,300 home in Ramsey, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ramsey's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,068a month

    Least cash to close
    Down payment
    $24,406
    Cash to close
    $45,325
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $308

  • Conventional, 5% down $5,940a month

    Down payment
    $34,865
    Cash to close
    $55,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $331

  • Conventional, 20% down, no PMI $4,900a month

    Down payment
    $139,460
    Cash to close
    $160,379
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,545a month

    Down payment
    $104,595
    Cash to close
    $125,514
    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 Ramsey and for Bergen County.

Property tax

Effective rate in Ramsey

1.43%of the home’s value each year

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

  • Ramsey 1.43%
  • 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 Ramsey

Typical rent in Ramsey is $2,245 a month: 17% above the county. In Ramsey, 58% 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 Ramsey

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ramsey is in ZIP code 07446.

For 2 bedrooms it is $3,020: $738 more than the fair market rent for Bergen County ($2,282).

  • 07446 $3,020$3,670

A ZIP code counts for Ramsey 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 Ramsey

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

  • The Woodlands at Ramsey 141 Prince St, Ramsey 07446 100 homes, 99 low-income · For older adults
  • Woodlands at Ramsey 141 Prince St, Ramsey 99 low-income homes · In service since 2005

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

Free help

Help to buy or rent in Ramsey

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 grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Ramsey

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

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

Housing counselors near Ramsey

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

  • Housing Authority of the City of Paterson

    60 Van Houten St, Paterson · 10 miles away

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

  • Paterson Task Force for Community Action, Inc

    191 Market St, Paterson · 10 miles away

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

  • Fair Housing Council of Northern New Jersey

    131 Main St Ste 140, Hackensack · 13 miles away

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

Every agency in Bergen County All counseling agencies in New Jersey

Help in Spanish near Ramsey

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 Ramsey

HUD’s record names them for Ramsey 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 Ramsey, 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 Ramsey.

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

Questions

Housing questions about Ramsey

Short answers with the numbers for Ramsey 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 Ramsey?

The typical home value in Ramsey is $697,300, 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 Ramsey?

Typical rent in Ramsey is $2,245 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 Ramsey?

Ramsey 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 Ramsey?

The typical homeowner in Ramsey pays $10,001 a year, according to the U.S. Census Bureau. That is 1.43% of the home’s value; in Bergen County, the rate is 1.61%.

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

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).