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City · 11,498 residents · Bergen County, New Jersey

Ridgefield , New Jersey

In Ridgefield, a typical home is worth $646,200 and typical rent is $2,095 a month. Compared with all of Bergen County, typical rent is 9% higher, typical household income is 5% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $646,200

    4% above the county

    42% above New Jersey

    • Ridgefield
    • Bergen
    • New Jersey

  • Typical rent

    $2,095a month

    9% above the county

    22% above New Jersey

    • Ridgefield
    • Bergen
    • New Jersey

  • Typical household income

    $118,059a year

    5% below the county

    14% above New Jersey

    • Ridgefield
    • Bergen
    • New Jersey

  • Households that own their home

    51%

    14 points below the county

    12 points below New Jersey

    • Ridgefield
    • Bergen
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$772,476
7.4% more than 12 months ago
Typical rent
$2,719 a month

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

Ridgefield 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 Ridgefield apart

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

  1. Nearby, in Little Ferry, the typical home value is $429,300: 34% less than in Ridgefield ($646,200).

  2. 51% of households in Ridgefield own their home, against 65% in Bergen County.

  3. Nearby, in Fairview, the typical rent is $1,694: 19% less than in Ridgefield ($2,095).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Ridgefield rose 7.4%; in New Jersey, it rose 4%.

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

The homes here

Housing in Ridgefield

What homes there are in Ridgefield, 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 Ridgefield there is a bit of everything: no kind of home reaches half. The most common are detached houses (43%); in Bergen County, 53%.

Year built

The typical year built in Ridgefield is 1957, about the same as in Bergen County (1960).

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

$3,559 a month

Bergen County: $3,547 a month

Without a mortgage

$1,322 a month

Bergen County: $1,498 a month

Owners with a mortgage

65%

Bergen County: 62%

Owning costs about the same in Ridgefield as in Bergen County: with a mortgage, $3,559 a month; without one, $1,322.

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 Ridgefield rose 46%; in Bergen County, it rose 33%.

Since 2015–2019, the typical rent in Ridgefield rose 32%, more than in Bergen County (27%).

Here income gained ground: typical income rose 65%, against +46% for home values and +32% for rent.

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

MeasureRidgefieldBergen 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 2.852.682.622.53
Drive alone 56%59%62%69%
Carpool 11%7%8%9%
Public transit 15%10%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 14%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.85 on average, against 2.68 in Bergen County.

Public transit matters here: 15% of workers take it to work, against 10% in Bergen County.

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 Ridgefield?

A typical home costs more than the typical income allows

We start with a typical home in Ridgefield, worth $646,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in Ridgefield, which is $118,059 a year. For that payment to be 28% of income, a household would need to earn about $243,773 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 Ridgefield. 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 $22,617 (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

$5,688

at 7.18% · 30 years

Loan amount
$634,496
Total interest
$912,890
Paid off in
November 2056

Includes $10,913 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,755 a month

  • Tight

    $2,755 to $3,542 a month

  • Hard

    more than $3,542 a month

    Your payment · 58%

Compared with the typical household income in Ridgefield ($118,059 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,688
Principal & interest$4,298
Property tax$835
Home insurance$269
FHA mortgage insurance (MIP)$286

You need at least $22,617 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

Ridgefield and Bergen County

Ridgefield 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).

Ridgefield's own numbers

Typical home value
$646,200
Typical monthly rent
$2,095
Typical yearly household income
$118,059
Households that own their home
51%
Effective property tax rate
1.55%

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 Ridgefield

A typical home in Ridgefield is worth $646,200: 4% above the county and 42% above New Jersey. With the typical household income in Ridgefield ($118,059 a year), a typical home costs 5.5 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.

  • Ridgefield 5.5 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

Ridgefield 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
  • Ridgefield $646,200
  • Bergen $623,000
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Ridgefield $2,095
  • Bergen $1,914
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Ridgefield $118,059
  • Bergen $124,884
  • New Jersey $103,556
  • United States $80,734
See the full table
Ridgefield next to Bergen County and New Jersey
Measure Ridgefield Bergen County New Jersey U.S.
Typical home value $646,200 $623,000 $454,400 $332,700
Typical monthly rent $2,095 $1,914 $1,720 $1,413
Typical yearly household income $118,059 $124,884 $103,556 $80,734
Households that own their home 51% 65% 64% 65%
Typical yearly property tax $10,001 $10,001 $9,590 $3,119
Effective property tax rate 1.55% 1.61% 2.11% 0.94%
Renters with high rent for their income 48% 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 Ridgefield

For a typical $646,200 home in Ridgefield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ridgefield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,688a month

    Least cash to close
    Down payment
    $22,617
    Cash to close
    $42,003
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $286

  • Conventional, 5% down $5,570a month

    Down payment
    $32,310
    Cash to close
    $51,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $307

  • Conventional, 20% down, no PMI $4,606a month

    Down payment
    $129,240
    Cash to close
    $148,626
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,203a month

    Down payment
    $96,930
    Cash to close
    $116,316
    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 Ridgefield and for Bergen County.

Property tax

Effective rate in Ridgefield

1.55%of the home’s value each year

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

  • Ridgefield 1.55%
  • 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 Ridgefield

Typical rent in Ridgefield is $2,095 a month: 9% above the county. In Ridgefield, 48% 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 Ridgefield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ridgefield is in ZIP code 07657.

For 2 bedrooms it is $2,510: $228 more than the fair market rent for Bergen County ($2,282).

  • 07657 $2,510$3,050

A ZIP code counts for Ridgefield 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 Ridgefield

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Ridgefield

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

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

Housing counselors near Ridgefield

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

  • North Hudson Community Action Corporation

    407 39th St Apt 2, Union City · 4 miles away

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

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

    1 Bergen County Plz, Hackensack · 4 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 · 4 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 Ridgefield

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 Ridgefield

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

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

Questions

Housing questions about Ridgefield

Short answers with the numbers for Ridgefield 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 Ridgefield?

The typical home value in Ridgefield is $646,200, 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 Ridgefield?

Typical rent in Ridgefield is $2,095 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 Ridgefield?

Ridgefield 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 Ridgefield?

The typical homeowner in Ridgefield pays $10,001 a year, according to the U.S. Census Bureau. That is 1.55% of the home’s value; in Bergen County, the rate is 1.61%.

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

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).