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Ramsey borough, NJ

ZIP 07446 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 07446

Median Home Value
$665,700
Median Rent
$1,831
Affordability Snapshot
$183,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,276/mo PITI).

13%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

30.3 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 07446 in Ramsey borough, NJ, a household would need roughly $183,000 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 $4,276. That is roughly in line with the local median household income ($164,767). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
83.8%+28% vs US avg
x
Vacancy Rate
0.4%-97% vs US avg
x
Broadband Access
94.7%+9% vs US avg
x
4+ Bedrooms
9.6%-35% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
19.6%-61% vs US avg
x
Mortgage-Free
33.2%-13% vs US avg
x
$665,700
Home Value
$1,831
Rent
1968
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached70.2%
  • 1-unit attached10.8%
  • 2-9 units11.7%
  • 10+ units6.9%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$665,700
Median rent$1,831
Owner-occupied83.8%
Vacant0.4%
Price-to-income4.0x
Est. income to buy$183,000