Rutherford, New Jersey.
Typical home $763,139 (+7.2% in a year), asking rent $2,427 (-0.7%). New York-Newark-Jersey City, NY-NJ-PA metro.
to buy the typical home at today's mortgage rate — +$2,141 (+115%) since Jan 2020.
- 1 year
- Up $51,142 +7%
- $711,997$763,139 since Sep 2025
- 5 years
- Up $182,428 +31%
- $580,711$763,139 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Rutherford$4,006
- New Jersey$3,019
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Rutherford, NJ rose 7.2% over the past year — faster than the nation's +1.2%.
Asking rents in Rutherford, NJ fell 0.7% over the past year — slower than the nation's +2.7%.
Owning the typical home in Rutherford runs $3,416/mo more than renting one — the widest that gap has been in this data.
That is $5,843 a month against $2,427 rent: a $4,006 mortgage payment, plus $1,021 property tax and $817 insurance & upkeep.
Owning vs renting — Rutherford
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$5,843
- Renting$2,427
- Mortgage only$4,006
Property tax · $1,021/mo 1.61% of value a year — the ACS 2020-2024 median bill over the median home value for Bergen County, NJ
Insurance & upkeep · $817/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Rutherford, Bergen County, New Jersey
Rutherford is a borough of 18,834 people in Bergen County. Half its households earn more than $143,153 a year and half less, against $124,884 across Bergen County; 6% of its people live below the poverty line. 64% of its homes are lived in by their owners and 36% are rented. Unemployment in Bergen County was 4.0% in August 2026, and the county had 0.3% fewer jobs in 2025 than the year before. The most residents work in professional services, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Rutherford is a borough in Bergen County and a small town, where most homes are lived in by their owners, though renters are a real part of the community too. Incomes run higher than across the county, a good share of adults hold a four-year degree, and the typical home costs a good deal to buy or rent. Winters are cold, with January highs near freezing and a bit above, summers turn warm to hot in July, and rain and melted snow fall steadily through the year.
Work. Residents work mostly in professional and business services, in schools, hospitals and social care, in banks, insurance and property, and in shops. Within the borough, the largest workplaces include the Rutherford School District, Amazon and Delta Building Services. The commute is on the long side, and a fair number of people work from home. Jobs across Bergen County dipped slightly last year, and unemployment there is a little lower than a year ago.
Things to do. MetLife Stadium sits in or beside town, a big venue for football and large events. A short drive away are museums such as the Metropolitan Museum of Art and the Museum of Modern Art, along with Central Park, a garden in the middle of the city. The Statue of Liberty, a well-known tourist attraction, is also a short drive away.
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- 6,875households
- 60%of adults have a degree
- 6%below the poverty line
- 34 mintypical commute
- 23%work from home
What residents work in
Employed residents by industry, from the Census survey. Bergen County had 437,006 jobs in 2025, 0.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 26°; warmest in July, with highs near 87° and lows near 69°. About 46 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Teterboro Airport weather station, 3 miles away (NOAA).
Largest workplaces in Rutherford
- Rutherford School DistrictSchool district429FTE
- AmazonCouriers and express delivery services341
- Delta Building ServicesJanitorial services339
- Lowe's Companies, INCHomecenter169
- Community Options Bergen Passaic CountyResidential intellectual and developmental disability facilities118
- Beacon Roofing Supply Inc (dba QXO)45
- Nick's Towing ServiceMotor vehicle towing services44
- RutherfordMail and parcel delivery43
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 1,099 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Coastal floodingRelatively high
- Inland floodingrelatively high in parts of RutherfordRelatively moderate
- Winter weatherRelatively moderate
- Strong windRelatively moderate
- Heat wavesRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Rutherford’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Bergen County and the New York-Newark-Jersey City, NY-NJ-PA metro.
Rutherford home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Rutherford$763,139
- New Jersey$575,123
- United States$366,157
Sellers are cutting prices on about 1 in 6 Rutherford listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Rutherford15.96%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Rutherford38
New listings per month
Sellers arriving at the market.
- Rutherford15
Zip codes with a Rutherford address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Rutherford — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.