City · 52,004 residents · Hudson County, New Jersey
West New York, New Jersey
In West New York, a typical home is worth $465,600 and typical rent is $1,716 a month. Compared with all of Hudson County, typical household income is 22% lower, the typical home value is 14% lower, and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $357,531 to $447,728.
Typical rent
$2,547a month
▲ 2.9% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,995 to $2,547.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
West New York 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
What this place has that others do not, from public data, most unusual first.
1
West New York has the 4th lowest homeownership rate of the 293 cities in New Jersey with more than 5,000 people (23%).
2
Nearby, in Guttenberg, the typical home value is $379,000: 19% less than in West New York ($465,600).
3
The typical household income in West New York is $71,729,22% less than in Hudson County as a whole ($91,795).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in West New York
What homes there are in West New York, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
West New York
Hudson County
New Jersey
United States
Kind of home: West New York and its comparisons
Measure
West New York
Hudson County
New Jersey
United States
Detached house
5%
9%
53%
61%
Attached house
6%
6%
10%
6%
Building of 2 to 4
24%
32%
15%
8%
Apartments (5 or more)
65%
53%
22%
19%
Mobile home
Unreliable estimate
0%
1%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In West New York, the apartment is the most common kind of home: 65%, against 53% in Hudson County.
Year built
Before 19601960–19791980–19992000–20092010 or later
West New York
Hudson County
New Jersey
United States
Year built: West New York and its comparisons
Measure
West New York
Hudson County
New Jersey
United States
Before 1960
43%
44%
38%
26%
1960–1979
22%
18%
25%
24%
1980–1999
15%
14%
21%
25%
2000–2009
12%
11%
9%
14%
2010 or later
9%
14%
7%
11%
In West New York, half of the homes were built before 1966; in Hudson County, before 1966.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K14%
$300K–$500K35%
$500K–$750K25%
$750K–$1M14%
$1M or moreUnreliable
Value of owner-occupied homes: West New York and its comparisons
Measure
West New York
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
14%
$300K–$500K
35%
$500K–$750K
25%
$750K–$1M
14%
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limit
Under $5008%
$500–$9999%
$1,000–$1,49920%
$1,500–$1,99929%
$2,000–$2,49916%
$2,500–$2,9997%
HUD fair market rent, 2 bedrooms: $2,792
$3,000 or more10%
Monthly rent with utilities: West New York and its comparisons
Measure
West New York
Under $500
8%
$500–$999
9%
$1,000–$1,499
20%
$1,500–$1,999
29%
$2,000–$2,499
16%
$2,500–$2,999
7%
$3,000 or more
10%
By rent, most homes in West New York cost less than HUD's 2-bedroom fair market rent ($2,792): about 87%.
With a mortgage
$3,095 a month
Hudson County: $3,300 a month
Without a mortgage
$1,465 a month
Hudson County: $1,311 a month
Owners with a mortgage
56%
Hudson County: 66%
Owning costs less in West New York: with a mortgage, the typical cost is $3,095 a month; in Hudson County, $3,300. Without one, $1,465.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
West New York+42%
Hudson County+43%
New Jersey+35%
United States+53%
Typical rent
West New York+32%
Hudson County+36%
New Jersey+29%
United States+33%
Typical household income
West New York+27%
Hudson County+29%
New Jersey+26%
United States+29%
Change since 2015–2019: West New York and its comparisons
Measure
West New York
Hudson County
New Jersey
United States
Typical home value
+42%
+43%
+35%
+53%
Typical rent
+32%
+36%
+29%
+33%
Typical household income
+27%
+29%
+26%
+29%
The typical home value in West New York rose 42% since 2015–2019, about the same as in Hudson County (43%).
Rents in West New York rose more slowly than in Hudson County: 32% since 2015–2019, against 36%.
Housing prices ran ahead of income in West New York: typical income rose 27%, against +42% for home values and +32% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: West New York and its comparisons
Measure
West New York
Hudson County
New Jersey
United States
Rental vacancy
3.3%
4.4%
3.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
0.7%
0.9%
More than one person per room
14.7%
7.9%
4.0%
3.4%
People per household
2.54
2.37
2.62
2.53
Drive alone
29%
33%
62%
69%
Carpool
7%
6%
8%
9%
Public transit
37%
31%
8%
3%
Walk or bike
11%
7%
3%
3%
Work from home
14%
21%
17%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in West New York is 3.3%, lower than in Hudson County (4.4%).
In West New York, 14.7% of households live with more than one person per room, against 7.9% in Hudson County.
On average, a household in West New York has 2.54 people, more than in Hudson County (2.37).
In West New York, 37% of workers get to work by public transit; in Hudson County, 31%.
Do the math
What would you pay each month for a home in West New York?
A typical home costs more than the typical income allows
We start with a typical home in West New York, worth $465,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 72% of the typical household income in West New York, which is $71,729 a year. For that payment to be 28% of income, a household would need to earn about $185,620 a year.
The calculator's FHA and conventional loan limits are those of all of Hudson County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in West New York. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $16,296 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$4,331
at 7.18% · 30 years
Loan amount
$457,167
Total interest
$657,756
Paid off in
November 2056
Includes $7,863 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,674 a month
Tight
$1,674 to $2,152 a month
Hard
more than $2,152 a month
Your payment · 72%
Compared with the typical household income in West New York ($71,729 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,097
Property tax
$834
Home insurance
$194
FHA mortgage insurance (MIP)
$206
You need at least $16,296 for the down payment, plus closing costs.
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.
Total monthly payment $4,331; principal and interest $3,097.
The city and its county
West New York and Hudson County
West New York 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).
West New York
Map of Hudson County, New Jersey, with West New York marked. Around it, the neighboring counties.
West New York
Hudson County
Other cities with a page
West New York's own numbers
Typical home value
$465,600
Typical monthly rent
$1,716
Typical yearly household income
$71,729
Households that own their home
23%
Effective property tax rate
2.15%
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.
A typical home in West New York is worth $465,600: 14% below the county and 2% above New Jersey. With the typical household income in West New York ($71,729 a year), a typical home costs 6.5 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.
West New York6.5 years
Hudson5.9 years
New Jersey4.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Hudson County, 2016 to 2025
2016: +8.8% +8.8% 2016
2017: +8.1% +8.1% 2017
2018: +9.2% +9.2% 2018
2019: +5.1% +5.1% 2019
2020: +3.9% +3.9% 2020
2021: +7.0% +7.0% 2021
2022: +11.8% +11.8% 2022
2023: +6.7% +6.7% 2023
2024: +5.6% +5.6% 2024
2025: +9.6% +9.6% 2025
Change in FHFA’s price index in Hudson County, New Jersey and the United States
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
West New York 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
West New York$465,600
Hudson$539,700
New Jersey$454,400
United States$332,700
Typical monthly rent
West New York$1,716
Hudson$1,894
New Jersey$1,720
United States$1,413
Typical yearly household income
West New York$71,729
Hudson$91,795
New Jersey$103,556
United States$80,734
See the full table
West New York next to Hudson County and New Jersey
Measure
West New York
Hudson County
New Jersey
U.S.
Typical home value
$465,600 ▼14% below the county
$539,700
$454,400
$332,700
Typical monthly rent
$1,716 ▼9% below the county
$1,894
$1,720
$1,413
Typical yearly household income
$71,729 ▼22% below the county
$91,795
$103,556
$80,734
Households that own their home
23% ▼8 points below the county
31%
64%
65%
Typical yearly property tax
$10,001 ▲5% above the county
$9,555
$9,590
$3,119
Effective property tax rate
2.15% ▲0.38 points above the county
1.77%
2.11%
0.94%
Renters with high rent for their income
55% ▲8 points above the county
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 West New York
For a typical $465,600 home in West New York, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West New York's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,331a month
Least cash to close
Down payment
$16,296
Cash to close
$30,264
Rate
7.18%
Mortgage insurance
FHA MIP · $206
Conventional, 5% down$4,246a month
Down payment
$23,280
Cash to close
$37,248
Rate
7.18%
Mortgage insurance
PMI · $221
Conventional, 20% down, no PMI$3,552a month
Down payment
$93,120
Cash to close
$107,088
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,982a month
Down payment
$69,840
Cash to close
$83,808
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in West New York
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,331
$16,296
$457,167
7.18%
FHA MIP · $206
$30,264
580
Conventional, 5% down
$4,246
$23,280
$442,320
7.18%
PMI · $221
$37,248
620*
Conventional, 20% down, no PMI
$3,552
$93,120
$372,480
7.18%
None
$107,088
620*
ITIN, 15% down (example)
$3,982
$69,840
$395,760
8.18%
None
$83,808
Set by the lender
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.
Typical rent in West New York is $1,716 a month: 9% below the county. In West New York, 55% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Hudson County (Fiscal year 2027)
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 West New York
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West New York is in ZIP code 07093.
For 2 bedrooms it is $2,620: $172 less than the fair market rent for Hudson County ($2,792).
Fair market rent by ZIP code and size in West New York, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
07093
$2,310
$2,360
$2,620
$3,180
$3,730
ZIP code2 bd3 bd
07093 $2,620$3,180
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for West New York 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for West New York or Hudson County. The ones below are statewide in New Jersey: they work in West New York the same as in the rest of the state.
NJHMFA second loan with no interest, forgiven after five years, for first-time buyers in New Jersey.Offered by New Jersey Housing and Mortgage Finance Agency (NJHMFA).
Extra NJHMFA assistance for first-time buyers whose parents have never owned a home (or who were in foster care in New Jersey).Offered by New Jersey Housing and Mortgage Finance Agency (NJHMFA).
The HUD-approved agencies closest to the center of West New York, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for West New York or Hudson County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for West New York 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 West New York?
The typical home value in West New York is $465,600, 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 West New York?
Typical rent in West New York is $1,716 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 West New York?
West New York 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 West New York?
The typical homeowner in West New York pays $10,001 a year, according to the U.S. Census Bureau. That is 2.15% of the home’s value; in Hudson County, the rate is 1.77%.
Where can I find free help to buy or rent in West New York?
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.
