Bergen County tools
Bergen County mortgage calculator
With the town's real property tax built in, at this week's average rate.
Rate starts at the national average for a 30-year fixed (7.32%, Freddie Mac survey, week of October 22, 2026). Your rate depends on credit, points and loan size. The payment shown is an estimate for a qualified buyer, not an offer of financing.
$10,483
Estimated monthly payment
on a $1.2M loan
Tax uses Ridgewood’s effective rate (1.442% of market value, from the 2026 tax list and recorded sales). Insurance is a rough 0.35% of price a year. Excludes HOA dues and mortgage insurance. Not a loan offer.
- What is the average mortgage rate this week?
- 7.32% for a 30-year fixed and 6.68% for a 15-year fixed, in Freddie Mac's Primary Mortgage Market Survey for the week of October 22, 2026. Your own rate depends on your credit, down payment and lender.
- Does the monthly payment include property tax?
- Yes. Pick a town and the calculator adds that town's property tax at its effective rate, which in Bergen County runs from 0.614% in Alpine to 2.201% in Ridgefield Park of market value a year.
To compare the tax on the same house in neighboring towns, use the property tax calculator; for what homes in each town sell for, the Bergen County housing market report.
Rates: Freddie Mac Primary Mortgage Market Survey via FRED. Taxes: New Jersey MOD-IV tax list and SR1A recorded sales.
