The median home in Montclair, New Jersey is valued at $1,102,512, up 6.6% year over year. Typical monthly rent is $2,793, producing a price-to-rent ratio of 32.9x — well above the national average of 18x. Montclair is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$1,102,512
+6.6%
Rent$2,793/mo
AFFORDABILITYRenting $5,168/mo cheaper ($2,793 rent)6.50% 30yr, 20% down, county tax + NJ ins. 28% per HUD.
Enter your income for Montclair.
$220,502 on $1,102,512
Out of reach — 127.4% of income
Need $341,186/yr to afford.
PITI$7,961
P/I127.4%
Afford$242K
Gap-$860K
P&I $5,575Tax $2,269Ins $117
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full New York-Newark-Jersey City, NY-NJ-PA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the New York-Newark-Jersey City, NY-NJ-PA metro.
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