Market Overview
Home Prices in Upper Saddle River, NJ
The median home value in Upper Saddle River, NJ is $1,453,941 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.2% 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 Upper Saddle River are priced255% above average. Upper Saddle River is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Upper Saddle River home values have risen by approximately36.2%, reflecting strong long-term appreciation in this market.
Price History
Upper Saddle River Home Price Trend
City Comparison
Upper Saddle River vs. National Median
At $1,453,941, homes in Upper Saddle River cost 255% above the national median of $410,000. Buyers in Upper Saddle River should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Upper Saddle River?
20% Down Payment
$290,788
on $1,453,941
Monthly P&I
$7,583/mo
30-yr @ 6.8%
Total Monthly Est.
~$9,630/mo
incl. taxes & insurance
Income Needed
$385,200
gross annual (30% rule)
10% Down Option
$145,394
+ PMI applies
Loan Amount (20% dn)
$1,163,153
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 Upper Saddle River, NJ?
The median home value in Upper Saddle River is $1,453,941 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.2% year-over-year.
How much have home prices changed in Upper Saddle River?
Over the past year, home values in Upper Saddle River have increased by 5.2%. Over five years, prices have risen approximately 36.2%.
How much do I need to earn to buy a home in Upper Saddle River?
To comfortably afford the median home price of $1,453,941 with a 20% down payment ($290,788) at today's rates (6.8%), you'd need a gross annual income of approximately $385,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Upper Saddle River compare to the national average home price?
The national median home value is approximately $410,000. At $1,453,941, homes in Upper Saddle River are 255% above the national average.
What metro area is Upper Saddle River part of?
Upper Saddle River 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.