Northern & Central New Jersey (201) 815-1000

Bergen County, New Jersey

Real estate appraisals in Bergen County, New Jersey

Seventy municipalities and, in practice, a dozen different markets. Lender, estate and divorce work across all of them, from the Hudson-front high-rises to the western hills.

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  • 3–7 business days
  • 65 municipalities
  • Quoted on request

Rather just ask? (201) 815-1000

Municipalities
65
Municipalities served
65
Fee
Quoted on request

The Bergen County market

Seventy municipalities share this county, and value moves further across those boundaries than it does across most of New Jersey. That is the working problem in Bergen.

The eastern boroughs along the Hudson — Fort Lee, Cliffside Park, Edgewater — are high-rise condominium markets. Floor, exposure, view and monthly common charges do more of the work than square footage. The strongest comparables are other units in the same building, and where they exist the analysis stays there.

Cross to the western half and the county turns into detached housing on wooded lots through Ridgewood, Wyckoff and Upper Saddle River. Nothing carries over from the waterfront analysis except the licence it was done under.

For lending work the practical consequence is that a radius search fails here. Two colonials a mile apart can sit in different school districts, at different distances from a bus lane into the city, under different municipal tax rates. A report that treats them as interchangeable will not survive review.

The southern and eastern boroughs hold a good deal of two-family stock as well. Those buildings earn, so they are valued on what they earn — not treated as a house with an extra kitchen.

Municipalities served in Bergen County

Hackensack · Paramus · Fort Lee · Englewood · Teaneck · Bergenfield · Fair Lawn · Garfield · Lodi · Mahwah · Ridgewood · Wyckoff · Alpine · Allendale · Bogota · Carlstadt · Cliffside Park · Closter · Cresskill · Demarest · Dumont · Elmwood Park · Emerson · East Rutherford · Franklin Lakes · Glen Rock · Hasbrouck Heights · Haworth · Hillsdale · Ho-Ho-Kus · Leonia · Little Ferry · Lyndhurst · Maywood · Midland Park · Montvale · Moonachie · New Milford · North Arlington · Northvale · Norwood · Oakland · Old Tappan · Oradell · Palisades Park · Park Ridge · Ramsey · Ridgefield · Ridgefield Park · River Edge · River Vale · Rochelle Park · Rutherford · Saddle Brook · Saddle River · South Hackensack · Tenafly · Teterboro · Upper Saddle River · Waldwick · Wallington · Washington Township · Westwood · Wood-Ridge · Woodcliff Lake

Speak to the appraiser

Call about a property in Bergen County

Most questions are quicker answered than written down. Tell us the property, the reason you need the appraisal, and when you need it — you will get a fee and a date on the call, not a form response two days later.

Worth mentioning: The municipality — Bergen County assessment practice varies enough between towns that it changes the answer.

(201) 815-1000
Mon–Fri, 8am–6pm
Direct line

Rather write? Al@csrappraisals.com — answered within one business day.

What clients say

Read these on Google

  • 5 out of 5 stars

    Mr. Zaccone is one of the top appraisers out there. He clearly knows his craft and has an excellent grasp of the real estate market. He’s approachable, professional, and an absolute pleasure to work with.
    Gabriela Emiliano· via Google

  • 5 out of 5 stars

    I appreciated the service that was rendered by Al and his team. I found him to be definitely top tier with his knowledge, professionalism and keen attention to details. I highly recommend CSR Appraisals.
    Sashoir· via Google

FAQ

Bergen County questions

Why does a Bergen County appraisal take the municipality so seriously?

Because seventy of them share this county, and a sale on the wrong side of a boundary is not automatically a comparable. Municipal tax rate, school district and distance to a bus or rail link all change at those lines. Any adjustment for one is measured from the sales themselves and shown in the report, never applied as a standing premium because a town is well regarded.

We are buying a condominium in Fort Lee. What does the appraisal actually weigh?

Floor, exposure, view and monthly common charges, usually before square footage. In a high-rise the best comparables are other units in the same building, and where they exist the analysis stays inside it. Where they do not, the adjustment between buildings is the part of the report worth reading closely.

The appraisal came in below our contract price. What happens?

The lender lends against the lower of price or appraised value, so the gap becomes cash, a renegotiation, or a walk-away. What we can tell you is how the number was reached and which sales carried it. If something material was missed, say so and it gets looked at — a reconsideration is a normal part of the process, not an accusation.

Sources for the figures on this page
  • Bergen County comprises 70 municipalities, more than any other county in New Jersey. Source: NJ Department of Community Affairs, Division of Local Government Services, municipal directory. Verified 2026-08-03.

Next step

Two minutes on the phone settles most of this

Say what the number is for and when you need it. That is enough to fix the effective date, the fee and the turnaround on the call. And if an appraisal is the wrong instrument for your situation, or a cheaper one would do the job, you will be told so before anything is ordered.

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