salaryRent here is among the highest 10% in the country. Household incomes are higher than in 99% of U.S. cities. A typical house costs about 4.4 years of household income. Commutes are long, about 36.8 minutes each way. Most homes (91.1%) are owned, so rentals can be hard to find. It is a highly educated city: 77.4% of adults have a college degree.
How much money do I need?
To rent here comfortably, you should earn about $140,040 a year. That is $67 an hour at a full-time job.
Is rent cheaper than other New Jersey cities?
No. Rent here is more expensive than in most of New Jersey. It is number 275 of 291 cities from cheapest to most expensive.
How much do households earn in Upper Saddle River?
Share of households by yearly income. 80.0% of households earn $100,000 or more.
Rent by apartment size in Upper Saddle River
| Size | Upper Saddle River | U.S. average |
|---|---|---|
| 2 bedrooms | $3,641 | $1,509 |
| 4 bedrooms | $3,500+ | $2,098 |
Median monthly rent plus utilities for all renters, by number of bedrooms.
How expensive is Upper Saddle River overall?
Everyday prices in New Jersey overall are 9% above the U.S. average (index 108.8, U.S. = 100).
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Upper Saddle River, so the New Jersey figure is shown.
Taxes and bills in Upper Saddle River
Life in Upper Saddle River
Is it cheaper to rent or buy in Upper Saddle River?
Renting is cheaper right now: about $4,192 a month less.
Owning assumes a typical $1,108,700 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $110,870 for the down payment.
Frequently asked questions
What is the average rent in Upper Saddle River, NJ?
Renting in Upper Saddle River costs a median of about $3,500+ a month in 2026, including utilities. The New Jersey median is $2,240.
How much do I need to make to live in Upper Saddle River?
To keep rent under 30% of income, you need about $140,040 a year, or $67 an hour at a full-time job.
Is Upper Saddle River cheap or expensive?
Upper Saddle River is rated Cheap: rent takes 16.8% of the typical household income of $250,000+. It ranks 275th cheapest of 291 New Jersey cities we track.
How much are property taxes in Upper Saddle River?
The median homeowner in Upper Saddle River pays $10,000+ a year in property taxes, about 0.90% of the median home value.
Is Upper Saddle River more expensive than the national average?
Overall prices in New Jersey are 9% above the U.S. average, according to the U.S. Bureau of Economic Analysis.
How much does a house cost in Upper Saddle River?
The median home value in Upper Saddle River is $1,108,700, about 4.4 times the typical yearly household income.
8,439 people live in Upper Saddle River. Numbers are typical (middle) values.