Market Overview
Home Prices in Belford, NJ
The median home value in Belford, NJ is $650,490 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.9% compared to a year ago and up 5.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Belford are priced59% above average. Belford is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Belford home values have risen by approximately41.5%, reflecting strong long-term appreciation in this market.
Price History
Belford Home Price Trend
City Comparison
Belford vs. National Median
At $650,490, homes in Belford cost 59% above the national median of $410,000. Buyers in Belford should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Belford?
20% Down Payment
$130,098
on $650,490
Monthly P&I
$3,393/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,309/mo
incl. taxes & insurance
Income Needed
$172,360
gross annual (30% rule)
10% Down Option
$65,049
+ PMI applies
Loan Amount (20% dn)
$520,392
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Belford, NJ?
The median home value in Belford is $650,490 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.9% year-over-year.
How much have home prices changed in Belford?
Over the past year, home values in Belford have increased by 5.9%. Over five years, prices have risen approximately 41.5%.
How much do I need to earn to buy a home in Belford?
To comfortably afford the median home price of $650,490 with a 20% down payment ($130,098) at today's rates (6.8%), you'd need a gross annual income of approximately $172,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Belford compare to the national average home price?
The national median home value is approximately $410,000. At $650,490, homes in Belford are 59% above the national average.
What metro area is Belford part of?
Belford is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area. Home prices and market conditions can vary across the broader metro region.