How much do homeowners pay a month in Upper Saddle River Borough, NJ?

Name: Homeowner costs in Upper Saddle River 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 Upper Saddle River Borough, NJ pay a median of $4,000 or more a month in selected owner costs (2020–2024 American Community Survey).

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

56.2% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $4,000 or more
Without a mortgage: $1,500 or more
Owned with a mortgage: 56.2%

Monthly owner costs in Upper Saddle River Borough

Median selected monthly owner costs, estimate (90% margin of error)
	Upper Saddle River Borough	Bergen County	New Jersey	United States
With a mortgage	$4,000 or more	$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	56.2% (±7.4 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.

How owner costs in Upper Saddle River 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 home value	$885,900 (±$51,809)	$1,108,700 (±$38,069)	+25.1%	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 Upper Saddle River Borough

Nearest places with a published estimate, compared with Upper Saddle River Borough
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Upper Saddle River Borough	—	$4,000 or more	—
Ramsey Borough	2.5 mi	$3,929 (±$227)	—
Village of Airmont	2.5 mi	$4,000 or more	—
Allendale Borough	2.7 mi	$4,000 or more	—
Saddle River Borough	2.8 mi	$4,000 or more	—
Montvale Borough	2.8 mi	$3,875 (±$287)	—
Village of Chestnut Ridge	3.1 mi	$4,000 or more	—
Woodcliff Lake Borough	3.3 mi	$4,000 or more	—
Monsey	3.4 mi	$4,000 or more	—

None of the nearby places differs measurably from this one on this figure.

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
1 (tie)	Park Ridge Borough	$4,000 or more
1 (tie)	Ridgewood Village	$4,000 or more
1 (tie)	River Vale Township	$4,000 or more
1 (tie)	Rockleigh Borough	$4,000 or more
1 (tie)	Saddle River Borough	$4,000 or more
1 (tie)	Tenafly Borough	$4,000 or more
1 (tie)	Upper Saddle River Borough	$4,000 or more
1 (tie)	Woodcliff Lake Borough	$4,000 or more
1 (tie)	Wyckoff Township	$4,000 or more
21	Cresskill Borough	$3,993 (±$402)
22	Oradell Borough	$3,991 (±$218)
23	Edgewater Borough	$3,935 (±$428)
24	Ramsey Borough	$3,929 (±$227)

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 Upper Saddle River Borough

What is the average mortgage payment in Upper Saddle River Borough?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Upper Saddle River Borough, NJ is $4,000 or more a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Upper Saddle River Borough?

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

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 Upper Saddle River borough, Bergen County, New Jersey (county subdivision:75140, 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.