How much do homeowners pay a month in Emerson Borough, NJ?

Name: Homeowner costs in Emerson Borough, NJ, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Emerson Borough, NJ pay a median of $3,608 (±$210) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,500 or more.

59.0% of owned homes carry a mortgage.

In Emerson Borough, the median monthly cost with a mortgage went from $3,191 in 2015–2019 to $3,608 in 2020–2024 (+13.1%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $3,608 (±$210)
Without a mortgage: $1,500 or more
Owned with a mortgage: 59.0%

Monthly owner costs in Emerson Borough

Median selected monthly owner costs, estimate (90% margin of error)
	Emerson Borough	Bergen County	New Jersey	United States
With a mortgage	$3,608 (±$210)	$3,547 (±$32)	$2,829 (±$8)	$1,963
Without a mortgage	$1,500 or more	$1,498 (±$18)	$1,232 (±$6)	$638
Owned homes with a mortgage	59.0% (±7.6 points)	61.6% (±0.8 points)	63.9% (±0.2 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$10,000 or more	$9,590 (±$25)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Emerson Borough, the median cost with a mortgage is not measurably different from Bergen County ($3,547).

It is also higher than in New Jersey ($2,829).

It is higher than the national figure ($1,963).

In Bergen County, Emerson Borough ranks 33 of 69 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 111 of 560.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Emerson Borough have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$3,191 (±$240)	$3,608 (±$210)	+13.1%	No measurable change after inflation
Median home value	$492,000 (±$36,385)	$645,200 (±$27,592)	+31.1%	No measurable change after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Emerson Borough

Nearest places with a published estimate, compared with Emerson Borough
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Emerson Borough	—	$3,608 (±$210)	—
Westwood Borough	1.1 mi	$3,367 (±$345)	Not measurably different
Oradell Borough	1.4 mi	$3,991 (±$218)	Higher
Haworth Borough	1.6 mi	$4,000 or more	—
Washington Township (Bergen County)	2.3 mi	$3,726 (±$265)	Not measurably different
Hillsdale Borough	2.5 mi	$3,915 (±$208)	Higher
Harrington Park Borough	2.5 mi	$4,000 or more	—
Dumont Borough	2.6 mi	$3,168 (±$191)	Lower
New Milford Borough	2.8 mi	$3,335 (±$97)	Lower

Nearby places with a measurably lower figure: Dumont Borough, NJ ($3,168), New Milford Borough, NJ ($3,335).

Nearby places with a measurably higher figure: Oradell Borough, NJ ($3,991), Hillsdale Borough, NJ ($3,915).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Bergen County, place by place

Rank	Place	Median monthly cost with a mortgage
27	Leonia Borough	$3,840 (±$475)
28	River Edge Borough	$3,832 (±$139)
29	Paramus Borough	$3,794 (±$105)
30	Norwood Borough	$3,740 (±$215)
31	Washington Township (Bergen County)	$3,726 (±$265)
32	Fairview Borough	$3,619 (±$337)
33	Emerson Borough	$3,608 (±$210)
34	Fort Lee Borough	$3,579 (±$268)
35	Ridgefield Borough	$3,559 (±$272)
36	Wood-Ridge Borough	$3,557 (±$207)
37	Palisades Park Borough	$3,535 (±$337)
38	Teaneck Township	$3,496 (±$136)
39	Northvale Borough	$3,476 (±$385)

Showing 13 of 69 places in Bergen County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Emerson Borough

What is the average mortgage payment in Emerson Borough?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Emerson Borough, NJ is $3,608 (±$210) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Emerson Borough?

Owners without a mortgage in Emerson Borough pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Emerson Borough gone up?

In Emerson Borough, the median monthly cost with a mortgage went from $3,191 in 2015–2019 to $3,608 in 2020–2024 (+13.1%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Emerson borough, Bergen County, New Jersey (county subdivision:21450, in state:34 county:003).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.