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City · 13,355 residents · Passaic County, New Jersey

Woodland Park , New Jersey

In Woodland Park, a typical home is worth $497,600 and typical rent is $1,839 a month. Compared with all of Passaic County, typical rent is 13% higher, typical household income is 13% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $497,600

    8% above the county

    10% above New Jersey

    • Woodland Park
    • Passaic
    • New Jersey

  • Typical rent

    $1,839a month

    13% above the county

    7% above New Jersey

    • Woodland Park
    • Passaic
    • New Jersey

  • Typical household income

    $98,845a year

    13% above the county

    5% below New Jersey

    • Woodland Park
    • Passaic
    • New Jersey

  • Households that own their home

    63%

    10 points above the county

    1 points below New Jersey

    • Woodland Park
    • Passaic
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$651,011
4.4% more than 12 months ago

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

Woodland Park is in Passaic 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 Passaic County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Woodland Park apart

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

  1. Nearby, in Paterson, the typical home value is $360,100: 28% less than in Woodland Park ($497,600).

  2. Nearby, in Paterson, the typical rent is $1,548: 16% less than in Woodland Park ($1,839).

  3. 63% of households in Woodland Park own their home, against 53% in Passaic County.

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

The homes here

Housing in Woodland Park

What homes there are in Woodland Park, 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 Woodland Park are varied: detached houses are the largest group, at 30%, against 42% in Passaic County.

Year built

Here half of the homes date from 1967 or later; in Passaic County, from 1956 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

$3,537 a month

Passaic County: $3,014 a month

Owners with a mortgage

49%

Passaic County: 65%

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

Much as in Passaic County, the typical home value in Woodland Park rose 36% since 2015–2019.

Much as in Passaic County, the typical rent in Woodland Park rose 24% since 2015–2019.

While home values in Woodland Park changed +36% and rent +24%, the typical household income rose 28%.

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

MeasureWoodland ParkPassaic CountyNew JerseyUnited States
Rental vacancy Unreliable estimate2.1%3.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room Unreliable estimate7.7%4.0%3.4%
People per household 2.472.862.622.53
Drive alone 69%65%62%69%
Carpool Unreliable estimate11%8%9%
Public transit Unreliable estimate6%8%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 15%12%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.47 on average, against 2.86 in Passaic County.

Working from home is more common in Woodland Park: 15%, against 12% in Passaic 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 Woodland Park?

A typical home costs more than the typical income allows

We start with a typical home in Woodland Park, worth $497,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Woodland Park, which is $98,845 a year. For that payment to be 28% of income, a household would need to earn about $195,890 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Woodland Park. 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 $17,416 (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

$4,571

at 7.18% · 30 years

Loan amount
$488,587
Total interest
$702,962
Paid off in
November 2056

Includes $8,403 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,306 a month

  • Tight

    $2,306 to $2,965 a month

  • Hard

    more than $2,965 a month

    Your payment · 55%

Compared with the typical household income in Woodland Park ($98,845 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,571
Principal & interest$3,310
Property tax$834
Home insurance$207
FHA mortgage insurance (MIP)$220

You need at least $17,416 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

Woodland Park and Passaic County

Woodland Park is in Passaic 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).

Woodland Park's own numbers

Typical home value
$497,600
Typical monthly rent
$1,839
Typical yearly household income
$98,845
Households that own their home
63%
Effective property tax rate
2.01%

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

Numbers for all of Passaic 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)
+58%
Homes in a high flood-risk zone
3.7%

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 Passaic County.

Everything about Passaic County

Buying

Buying a home in Woodland Park

A typical home in Woodland Park is worth $497,600: 8% above the county and 10% above New Jersey. With the typical household income in Woodland Park ($98,845 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.

  • Woodland Park 5.0 years
  • Passaic 5.3 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Passaic County

According to FHFA’s house price index, home prices in Passaic County rose 87% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +6.8% +6.2% +2.9%
5 years (2020–2025) +58% +63% +47%
10 years (2015–2025) +87% +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

Woodland Park next to Passaic 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
  • Woodland Park $497,600
  • Passaic $459,500
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Woodland Park $1,839
  • Passaic $1,621
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Woodland Park $98,845
  • Passaic $87,522
  • New Jersey $103,556
  • United States $80,734
See the full table
Woodland Park next to Passaic County and New Jersey
Measure Woodland Park Passaic County New Jersey U.S.
Typical home value $497,600 $459,500 $454,400 $332,700
Typical monthly rent $1,839 $1,621 $1,720 $1,413
Typical yearly household income $98,845 $87,522 $103,556 $80,734
Households that own their home 63% 53% 64% 65%
Typical yearly property tax $10,001 $10,001 $9,590 $3,119
Effective property tax rate 2.01% 2.18% 2.11% 0.94%
Renters with high rent for their income 48% 57% 52% 51%

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

For a typical $497,600 home in Woodland Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Woodland Park's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,571a month

    Least cash to close
    Down payment
    $17,416
    Cash to close
    $32,344
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $220

  • Conventional, 5% down $4,480a month

    Down payment
    $24,880
    Cash to close
    $39,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $236

  • Conventional, 20% down, no PMI $3,738a month

    Down payment
    $99,520
    Cash to close
    $114,448
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,198a month

    Down payment
    $74,640
    Cash to close
    $89,568
    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 Woodland Park and for Passaic County.

Property tax

Effective rate in Woodland Park

2.01%of the home’s value each year

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

  • Woodland Park 2.01%
  • Passaic 2.18%
  • 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 Passaic County

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

Homes in the high-risk zone
3.7%
3,719
Of those, with NFIP insurance
48%
County New Jersey U.S.
Homes in the high-risk zone 3.7% 6.7% 3.5%
Of those, with NFIP insurance 48% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Woodland Park

Typical rent in Woodland Park is $1,839 a month: 13% above the county. In Woodland Park, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Passaic 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 Passaic 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 Woodland Park

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Woodland Park is in ZIP code 07424.

For 2 bedrooms it is $2,300: $18 more than the fair market rent for Passaic County ($2,282).

  • 07424 $2,300$2,790

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Woodland Park 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 Woodland Park

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 Passaic County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Woodland Park

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

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

Housing counselors near Woodland Park

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

  • Paterson Task Force for Community Action, Inc

    191 Market St, Paterson · 2 miles away

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

  • Housing Authority of the City of Paterson

    60 Van Houten St, Paterson · 2 miles away

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

  • Consumer Credit and Budget Counseling, DBA National Foundation for Debt Management

    26 Park St Ste 2000, Montclair · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (727) 755-8558

Every agency in Passaic County All counseling agencies in New Jersey

Help in Spanish near Woodland Park

1 of the 3 agencies on this list says it serves 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 Woodland Park

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

  • Passaic County Public Housing Agency Section 8 vouchers (973) 881-4370

3 other authorities have an office in Passaic County: see the list Source: HUD

Cities

Other cities in Passaic County

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

Everything about Passaic County Housing in New Jersey
See 2 more cities in Passaic County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Woodland Park, with the typical home value.

Neighboring counties

If Passaic 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 Woodland Park.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Woodland Park

Short answers with the numbers for Woodland Park and all of Passaic 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 Woodland Park?

The typical home value in Woodland Park is $497,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Passaic County it is $459,500.

How much does it cost to rent in Woodland Park?

Typical rent in Woodland Park is $1,839 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Passaic County is $2,282.

What is the FHA loan limit in Woodland Park?

Woodland Park uses the FHA limit for all of Passaic 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 Woodland Park?

The typical homeowner in Woodland Park pays $10,001 a year, according to the U.S. Census Bureau. That is 2.01% of the home’s value; in Passaic County, the rate is 2.18%.

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

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