Market Overview
Home Prices in Caldwell, NJ
The median home value in Caldwell, NJ is $750,984 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.1% compared to a year ago and up 3.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Caldwell are priced83% above average. Caldwell is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Caldwell home values have risen by approximately35.5%, reflecting strong long-term appreciation in this market.
Price History
Caldwell Home Price Trend
City Comparison
Caldwell vs. National Median
At $750,984, homes in Caldwell cost 83% above the national median of $410,000. Buyers in Caldwell should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Caldwell?
20% Down Payment
$150,197
on $750,984
Monthly P&I
$3,917/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,975/mo
incl. taxes & insurance
Income Needed
$199,000
gross annual (30% rule)
10% Down Option
$75,098
+ PMI applies
Loan Amount (20% dn)
$600,787
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 Caldwell, NJ?
The median home value in Caldwell is $750,984 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.1% year-over-year.
How much have home prices changed in Caldwell?
Over the past year, home values in Caldwell have increased by 5.1%. Over five years, prices have risen approximately 35.5%.
How much do I need to earn to buy a home in Caldwell?
To comfortably afford the median home price of $750,984 with a 20% down payment ($150,197) at today's rates (6.8%), you'd need a gross annual income of approximately $199,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Caldwell compare to the national average home price?
The national median home value is approximately $410,000. At $750,984, homes in Caldwell are 83% above the national average.
What metro area is Caldwell part of?
Caldwell 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.