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City · 31,111 residents · Union County, New Jersey

Westfield , New Jersey

In Westfield, a typical home is worth $953,400 and typical rent is $2,357 a month. Compared with all of Union County, typical household income is 125% higher, the typical home value is 80% higher, and the share of households that own their home is 24 points higher.

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  • Typical home value

    $953,400

    80% above the county

    110% above New Jersey

    • Westfield
    • Union
    • New Jersey

  • Typical rent

    $2,357a month

    36% above the county

    37% above New Jersey

    • Westfield
    • Union
    • New Jersey

  • Typical household income

    $232,629a year

    125% above the county

    125% above New Jersey

    • Westfield
    • Union
    • New Jersey

  • Households that own their home

    81%

    24 points above the county

    17 points above New Jersey

    • Westfield
    • Union
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$1,304,711
10% more than 12 months ago
Typical rent
$2,973 a month
3.1% more than 12 months ago

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

Westfield is in Union 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 Union County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Westfield apart

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

  1. The typical household income in Westfield is $232,629, 125% more than in Union County as a whole ($103,202).

  2. The typical home in Westfield is worth $953,400, 80% more than in Union County as a whole ($529,200).

  3. Nearby, in Roselle, the typical home value is $379,900: 60% less than in Westfield ($953,400).

  4. 81% of households in Westfield own their home, against 57% in Union County.

  5. Nearby, in Roselle, the typical rent is $1,567: 34% less than in Westfield ($2,357).

  6. The typical rent in Westfield is $2,357 a month, 36% more than in Union County as a whole ($1,730).

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

The homes here

Housing in Westfield

What homes there are in Westfield, 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 Westfield, 8 in 10 homes are single-family detached houses; in Union County, 5.

Year built

The typical year built in Westfield is 1953, about the same as in Union County (1956).

In Westfield, 78% of homes have 3 bedrooms or more, more than in Union County (59%).

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

Owners with a mortgage

69%

Union County: 67%

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 Westfield rose 28% since 2015–2019, less than in Union County (44%).

The typical rent in Westfield rose 47% over the same time; in Union County, it rose 34%.

To compare: typical income in Westfield rose 36%; the home, +28%; the rent, +47%.

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

MeasureWestfieldUnion CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.1%3.5%5.5%
Homeowner vacancy Unreliable estimate1.0%0.7%0.9%
More than one person per room Unreliable estimate5.8%4.0%3.4%
People per household 2.842.822.622.53
Drive alone 50%61%62%69%
Carpool 2%9%8%9%
Public transit 12%9%8%3%
Walk or bike 1%3%3%3%
Work from home 34%14%17%15%
Other means Unreliable estimate4%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Westfield look like those in Union County: 2.84 people on average.

Many people here do not commute at all: 34% work from home; in Union County, 14%.

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 Westfield?

A typical home costs more than the typical income allows

We start with a typical home in Westfield, worth $953,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Westfield, which is $232,629 a year. For that payment to be 28% of income, a household would need to earn about $349,208 a year.

The calculator's FHA and conventional loan limits are those of all of Union County.

Your numbers

Local data
$

Starts at the typical home value in Westfield. 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 $33,369 (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

$8,148

at 7.18% · 30 years

Loan amount
$936,132
Total interest
$1,346,874
Paid off in
November 2056

Includes $16,101 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $5,428 a month

  • Tight

    $5,428 to $6,979 a month

  • Hard

    more than $6,979 a month

    Your payment · 42%

Compared with the typical household income in Westfield ($232,629 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$8,148
Principal & interest$6,342
Property tax$834
Home insurance$397
FHA mortgage insurance (MIP)$575

You need at least $33,369 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

Westfield and Union County

Westfield is in Union 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).

Westfield's own numbers

Typical home value
$953,400
Typical monthly rent
$2,357
Typical yearly household income
$232,629
Households that own their home
81%
Effective property tax rate
1.05%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Union County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,233
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
3.9%

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 Union County.

Everything about Union County

Buying

Buying a home in Westfield

A typical home in Westfield is worth $953,400: 80% above the county and 110% above New Jersey. With the typical household income in Westfield ($232,629 a year), a typical home costs 4.1 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.

  • Westfield 4.1 years
  • Union 5.1 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Union County

According to FHFA’s house price index, home prices in Union County rose 84% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Union County.

Period County New Jersey U.S.
Last year (2025) +5.5% +6.2% +2.9%
5 years (2020–2025) +58% +63% +47%
10 years (2015–2025) +84% +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

Westfield next to Union 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
  • Westfield $953,400
  • Union $529,200
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Westfield $2,357
  • Union $1,730
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Westfield $232,629
  • Union $103,202
  • New Jersey $103,556
  • United States $80,734
See the full table
Westfield next to Union County and New Jersey
Measure Westfield Union County New Jersey U.S.
Typical home value $953,400 $529,200 $454,400 $332,700
Typical monthly rent $2,357 $1,730 $1,720 $1,413
Typical yearly household income $232,629 $103,202 $103,556 $80,734
Households that own their home 81% 57% 64% 65%
Typical yearly property tax $10,001 $10,001 $9,590 $3,119
Effective property tax rate 1.05% 1.89% 2.11% 0.94%
Renters with high rent for their income 36% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Union 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 Westfield

For a typical $953,400 home in Westfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Westfield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $8,148a month

    Least cash to close
    Down payment
    $33,369
    Cash to close
    $61,971
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $575

  • Conventional, 5% down $7,820a month

    Down payment
    $47,670
    Cash to close
    $76,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $453

  • Conventional, 20% down, no PMI $6,398a month

    Down payment
    $190,680
    Cash to close
    $219,282
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,280a month

    Down payment
    $143,010
    Cash to close
    $171,612
    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 Westfield and for Union County.

Property tax

Effective rate in Westfield

1.05%of the home’s value each year

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

  • Westfield 1.05%
  • Union 1.89%
  • 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 Union County

FEMA does not publish these numbers by city: they are for all of Union County.

Homes in the high-risk zone
3.9%
4,874
Of those, with NFIP insurance
49%
County New Jersey U.S.
Homes in the high-risk zone 3.9% 6.7% 3.5%
Of those, with NFIP insurance 49% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Westfield

Typical rent in Westfield is $2,357 a month: 36% above the county. In Westfield, 36% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Union County, by unit size. To pay the 2-bedroom one ($2,233 a month) without spending more than 30% of your income, you would need to earn $42.94 an hour working full time.

HUD fair market rent for all of Union 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 $1,637 $31.48 $65,480
1 bedroom $1,850 $35.58 $74,000
2 bedrooms $2,233 $42.94 $89,320
3 bedrooms $2,785 $53.56 $111,400
4 bedrooms $3,188 $61.31 $127,520

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 Westfield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Westfield is in ZIP code 07090.

For 2 bedrooms it is $3,060: $827 more than the fair market rent for Union County ($2,233).

  • 07090 $3,060$3,820

A ZIP code counts for Westfield 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 Westfield

HUD lists 5 buildings with rents for lower incomes in Westfield. These are the largest.

  • Westfield Senior Citizens 1133 Boynton Ave, Westfield 07090 173 homes, 172 low-income · For older adults
  • Second Westfield Senior Citizen Housing 1129 Boynton Ave, Westfield 131 low-income homes · 1 bd: 130 · In service since 2012 · For older adults
  • Cacciola Place 202 Cacciola Pl, Westfield 07090 16 low-income homes · For families
  • Mohawk/Runnymede 56 Mohawk Trl, Westfield 07090 8 low-income homes · For people with disabilities
  • Second Westfield SR. Citizen Housing #362 1129 Boynton Ave, Westfield 07090 131 homes · In service since 2012

See all 131 buildings in Union County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Westfield

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 Union County; none says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Westfield

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

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

Housing counselors near Westfield

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

  • NEIGHBORHOODS FOR A SUSTAINABLE FUTURE fka NHS of Staten Island

    1120 E Saint Georges Ave, Linden · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (908) 808-4035

  • Urban League of Union County

    1139 E Jersey St Ste 515, Elizabeth · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (908) 351-7200

  • Tri-City Peoples Corporation

    675 S 19th St, Newark · 9 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (097) 367-5448

Every agency in Union County All counseling agencies in New Jersey

Help in Spanish near Westfield

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 Westfield

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

6 other authorities have an office in Union County: see the list Source: HUD

Cities

Other cities in Union County

These cities are also in Union County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Union County Housing in New Jersey

Nearby cities

The cities closest to Westfield, with the typical home value.

Neighboring counties

If Union 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 Westfield.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Westfield

Short answers with the numbers for Westfield and all of Union 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 Westfield?

The typical home value in Westfield is $953,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Union County it is $529,200.

How much does it cost to rent in Westfield?

Typical rent in Westfield is $2,357 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Union County is $2,233.

What is the FHA loan limit in Westfield?

Westfield uses the FHA limit for all of Union 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 Westfield?

The typical homeowner in Westfield pays $10,001 a year, according to the U.S. Census Bureau. That is 1.05% of the home’s value; in Union County, the rate is 1.89%.

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

There are 2 HUD-approved counseling agencies with an office in Union 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).