Market update · November 2026
NJ housing market, this month.
Mortgage rates, county sale prices and the towns where values moved most, all from public data.
30-year fixed rate: 7.18%
Freddie Mac weekly average, week of November 5, 2026. A year ago it averaged 6.22%.
What it means
On a $500,000 loan, each quarter-point move in rates changes the monthly principal and interest by roughly $85 at current levels. Get pre-approved and compare at least two lenders’ Loan Estimates.
Run your paymentCounty sale prices: 2025 vs 2026 reports
| County | Avg sale (2025 report) | Avg sale (2026 report) | Change | Sales (2026) | Avg tax bill 2025 |
|---|---|---|---|---|---|
| Bergen | $870K | $925K | 6.4% | 4,917 | $14,200 |
| Essex | $810K | $829K | 2.4% | 3,855 | $14,147 |
| Hudson | $774K | $801K | 3.4% | 3,531 | $10,502 |
| Middlesex | $572K | $595K | 4.0% | 4,655 | $9,959 |
| Monmouth | $885K | $938K | 6.0% | 2,768 | $11,664 |
| Morris | $788K | $801K | 1.7% | 3,421 | $12,175 |
| Passaic | $574K | $623K | 8.5% | 2,642 | $11,603 |
| Somerset | $694K | $708K | 1.9% | 1,369 | $12,004 |
| Union | $743K | $771K | 3.7% | 3,114 | $12,536 |
NJ Division of Taxation, 2025 and 2026 Average Residential Statistics, county totals. Averages of sales used in each report, not medians.
Biggest 1-year gains (ZHVI)
Softest 1-year change (ZHVI)
Zillow Home Value Index, Sept. 2025 to Sept. 2026, towns with 5,000+ residents.
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