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Clifton city, NJ

ZIP 07012 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07012

Median Home Value
$459,300
Median Rent
$1,606
Affordability Snapshot
$126,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,950/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 07012 in Clifton city, NJ, a household would need roughly $126,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,950. That is about 26% above the local median household income ($100,341), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics

Historic housing stock (20% built before 1939)

Owner Occupied
55.2%-16% vs US avg
x
Vacancy Rate
1.7%-83% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
20.2%+58% vs US avg
x
Built Post-2014
1.8%-73% vs US avg
x
Rent Burden >30%
21.8%-56% vs US avg
x
Mortgage-Free
37.8%-1% vs US avg
x
$459,300
Home Value
$1,606
Rent
1953
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached52.0%
  • 1-unit attached1.5%
  • 2-9 units32.8%
  • 10+ units13.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$459,300
Median rent$1,606
Owner-occupied55.2%
Vacant1.7%
Price-to-income4.6x
Est. income to buy$126,000