Which has lower property taxes, Ridgewood or Upper Saddle River?

Upper Saddle River has the lower average property tax bill: $20,432 against $20,596 in Ridgewood (2025).

Which has better schools, Ridgewood or Upper Saddle River?

Upper Saddle River has the higher-ranked high school option in U.S. News (#35 in New Jersey against #43 for Ridgewood).

Ridgewood

Upper Saddle River

By Slava Zborovsky · Updated October 22, 2026

Ridgewood vs Upper Saddle River

Homes cost more in Upper Saddle River: a typical value of $1.46M against $1.27M in Ridgewood, about 15% higher.

Upper Saddle River has the lower average property tax bill: $20,432 against $20,596 in Ridgewood (2025).
Upper Saddle River has the higher-ranked high school option in U.S. News (#35 in New Jersey against #43 for Ridgewood).
By train, Ridgewood is the quicker commute to New York Penn (47 minutes at the fastest, against 62).
Values rose faster in Ridgewood over the past year (10.8% against 6.5%).

Ridgewood and Upper Saddle River, side by side

Ridgewood

Upper Saddle River

Typical home value (Zillow): $1,269,000source$1,460,000source
Change in home value, past year: 10.8%6.5%
Average property tax bill (2025): $20,596source$20,432source
Effective tax rate (2025): 1.944%source1.75%source
High school: Ridgewood HSNorthern Highlands Regional HS
Best high school option, NJ rank (U.S. News): #43source#35source
Niche grade: A+sourceA+source
Train to NY Penn (AM peak): 47-56 minutessource62-70 minutes from Ramseysource
Own train station: YesNo
Road miles to the GW Bridge: 13.318.3
Population: 26,3088,439
Land area (sq mi): 5.7425.253
Median household income: $208,211$250,000+
Owner-occupied homes: 82.5%91.1%
NJ seller transfer costs at the typical value: $25,520$29,741

Ridgewood vs Upper Saddle River: home values, taxes, schools and commute
	Ridgewood	Upper Saddle River
Typical home value (Zillow)	$1,269,000source	$1,460,000source
Change in home value, past year	10.8%	6.5%
Average property tax bill (2025)	$20,596source	$20,432source
Effective tax rate (2025)	1.944%source	1.75%source
High school	Ridgewood HS	Northern Highlands Regional HS
Best high school option, NJ rank (U.S. News)	#43source	#35source
Niche grade	A+source	A+source
Train to NY Penn (AM peak)	47-56 minutessource	62-70 minutes from Ramseysource
Own train station	Yes	No
Road miles to the GW Bridge	13.3	18.3
Population	26,308	8,439
Land area (sq mi)	5.742	5.253
Median household income	$208,211	$250,000+
Owner-occupied homes	82.5%	91.1%
NJ seller transfer costs at the typical value	$25,520	$29,741

Bold marks the lower cost, higher-ranked school or shorter trip. Sources: Zillow Home Value Index (2026-08-31); NJ Treasury 2025 tax rates and average residential bills; U.S. News and Niche school rankings; NJ Transit timetables; U.S. Census ACS 2020-2024. Road miles calculated.

Full town guide

Ridgewood

A village downtown, classic architecture and a commuter's train station.

Full town guide

Upper Saddle River

Custom and new-construction homes on wooded lots, next to the Saddle River corridor.

Ridgewood vs Upper Saddle River: questions

Is Ridgewood or Upper Saddle River more expensive?: Homes cost more in Upper Saddle River: a typical value of $1.46M against $1.27M in Ridgewood, about 15% higher.
Which has lower property taxes, Ridgewood or Upper Saddle River?: Upper Saddle River has the lower average property tax bill: $20,432 against $20,596 in Ridgewood (2025).
Which has better schools, Ridgewood or Upper Saddle River?: Upper Saddle River has the higher-ranked high school option in U.S. News (#35 in New Jersey against #43 for Ridgewood).

Selling in Ridgewood or Upper Saddle River?

Get home value