Upper Saddle River, New Jersey.
Typical home $1,479,798 (+7.5% in a year). New York-Newark-Jersey City, NY-NJ-PA metro.
to buy the typical home at today's mortgage rate — +$4,286 (+123%) since Jan 2020.
- 1 year
- Up $103,124 +7%
- $1,376,674$1,479,798 since Sep 2025
- 5 years
- Up $398,744 +37%
- $1,081,053$1,479,798 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.
- Upper Saddle River$7,767
- New Jersey$3,019
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Upper Saddle River, NJ rose 7.5% over the past year — faster than the nation's +1.2%.
Living in Upper Saddle River, Bergen County, New Jersey
Upper Saddle River is a borough of 8,353 people in Bergen County. 91% of its homes are lived in by their owners and 9% 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 It can be wrong or out of date.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. Upper Saddle River is a small borough in Bergen County where nearly everyone owns the home they live in, and homes here cost far more than in most of the country. Incomes run high in the county, and the great majority of adults hold a four-year degree. Winters are cold, with January the coldest month and freezing nights, and summers turn warm in July, with a fair amount of rain and melted snow 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 itself, the Upper Saddle River School District is the largest workplace, followed by Triangle Manufacturing Co and TruGreen. Many people travel some distance to work, with a commute that is longer than many Americans have.
Things to do. The best-known places nearby are each a longer drive away. The Statue of Liberty is among the most famous tourist attractions in the country, and the Metropolitan Museum of Art is one of its great museums. Central Park, the large garden in the middle of Manhattan, makes a good day out as well.
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- 2,694households
- 77%of adults have a degree
- 4%below the poverty line
- 37 mintypical commute
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 38° and lows near 20°; warmest in July, with highs near 84° and lows near 64°. About 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Wanaque Raymond Dam weather station, 10 miles away (NOAA).
Largest workplaces in Upper Saddle River
- Upper Saddle River School DistrictSchool district233FTE
- Triangle Manufacturing CoMachine shops210
- TruGreenLawn care62
- Mercury SystemsAnalog computers manufacturing55
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 327 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
- Inland floodingRelatively high
- EarthquakesRelatively moderate
- Winter weatherRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Upper Saddle River’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.
Upper Saddle River home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Upper Saddle River$1,479,798
- New Jersey$575,123
- United States$366,157
Sellers are cutting prices on about 1 in 7 Upper Saddle River listings — the market is roughly in balance.
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.
- Upper Saddle River13.66%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Upper Saddle River30
New listings per month
Sellers arriving at the market.
- Upper Saddle River12
Zip codes with a Upper Saddle River address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Upper Saddle River — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.