Local
Learn about the people, housing, costs and businesses in Upper Montclair, New Jersey
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Upper Montclair.
True all-in cost — P&I, taxes, insurance & utilities for homes in Upper Montclair.
Find and compare lenders active near Upper Montclair.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Upper Montclair.
Seismic risk and earthquake insurance estimates for Upper Montclair.
Wildfire exposure and insurance estimates for Upper Montclair.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Upper Montclair is approximately 7.023% (7.056% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Upper MontclairThe median home value in Upper Montclair is $1.0M. The median monthly rent is $2,119. Annual property taxes average $10k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Upper Montclair have increased 28.6% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $3,965/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $170k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Upper Montclair is $233k/year.
Calculate your buying powerThe largest employment sectors in Upper Montclair are public administration (24%) and healthcare (23%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.