Duplex
227 46TH St · Union City, NJ
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $526 – $976
Heat risk 7/10 · Major
- Hot days now (above 98°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 5 days/yr
- Unhealthy air days in 30 yrs
- 6 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Appreciation +10.0/10.0
- Cash flow +9.4/30.0
- ARV discount +7.5/15.0
- Livability +3.9/5.0
- 1% rule +2.8/10.0
- Rent growth +2.7/5.0
- DSCR +2.6/10.0
- Schools +2.2/10.0
- Condition / age +2.2/5.0
$675,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Multi-family units
County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed
Listing remarks MLS
Welcome to the kind of property savvy buyers wait for — a versatile, value-add 2-family home in the coveted Union Hill section of Union City. Located on a tranquil, tree-lined block just moments from Bergenline and Park Ave cafés and shops, steps to Boulevard East offering scenic Manhattan skyline views. and an easy commute into NYC. This 5-bedroom, 3 full bath property offers functional and effortlessly livable layouts. The first-floor unit features a bright living room, eat-in kitchen with laundry hook ups, two generously sized bedrooms, and full bath — ideal for owner occupants and tenants alike. Upstairs, the second unit offers a living room, spacious eat-in kitchen, three-bedrooms plus a bonus room perfect for a home office, creative studio, nursery, or oversized walk-in closet. A finished basement adds exceptional utility, abundant storage, and an additional full bathroom. Other highlights include separate electric and gas utilities, independent steam radiator heating systems for each unit, one parking space, and a well-loved backyard oasis with a mature fig tree, herbs, and veggies ready for your next harvest. Whether you’re an investor looking for strong upside or an owner-occupant seeking rental income, this property delivers scale, charm, and opportunity with authentic neighborhood character. With a few light cosmetic touches, this Union Hill neighborhood gem is just waiting for you to build equity! Sold as-is. Buyer responsible for obtaining cert of occupanc
Key facts
- 2 family home
- Eat in kitchen
- Bright living room
Tags
Property features AI
Finance
- Other: First-floor refrigerator excluded
- Financial info: Second-floor rent shown as $1,600; first-floor occupied by owner
Exterior
- Parking: Parking for 1 car
- Home design: Multi-unit property with separate units per floor
- Construction: Lead paint form: Yes
- Exterior features: Aluminum/Vinyl exterior finish; Finished full walk-out basement; Lot number 19
Interior
- Kitchen: Two kitchens (one on each floor); Gas ranges and hoods on both units; Second-floor refrigerator included
- Bedrooms: Two bedrooms on the first floor; Three bedrooms on the second floor
- Bathrooms: Three full bathrooms total (one full bath in basement, one full bath on first floor, one full bath on second floor)
- Heating & cooling: Gas heating; Radiator heating; Steam system
- Interior features: Two living rooms (one on each floor); Finished full walk-out basement
- Laundry & utility: Washer and dryer on first floor
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2 × 2-bed/1.5-bath units multifamily listed at $675k. Condition is rated fair.
Deal economics
- At list price, monthly cash flow is $-487 ($-6k/yr) — negative. Per door: $-244/mo.
- To cash-flow at today's rent, offer at most $604k (10.4% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $529k (21.7% below list).
- Recommended offer: $529k (21.7% below list) — sets the bar for 1% rule.
- Cap rate 5.4% vs local median 2.3% in Union City — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 77/100 on livability (#117 in NJ, #2,998 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, health & safety A; Watch: cost of living F.
- Union City School District (suburban): math 15% / reading 36% proficiency, ranked #399 of 472 in NJ (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 85% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Theodore Roosevelt Elementary School (math 12% / reading 31%, grade F, #973 of 1,303 statewide, top 75%, 919 students, 89% FRL); Union Hill Middle School (math 18% / reading 40%, grade F, #321 of 431 statewide, top 77%, 849 students, 91% FRL); Union City High School (math 12% / reading 35%, grade F, #331 of 399 statewide, top 83%, 3,025 students, 83% FRL) — zoned schools at 88% FRL track the district average.
- Market conditions: Rents flat; 228 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 5,310 units permitted in Hudson County in 2024 (4,154 in 5+ unit buildings).
- At $5,288/mo this rent would consume 99% of the median local household income ($64k/yr) (locally 6042% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- In year one you build about $72k of equity ($5k loan paydown + $68k appreciation (10.0% local appreciation)).
- Hudson County population projected at +29% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- By year 2, paydown + projected appreciation supports a ~$116k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 23 days — a 2% lower offer ($665k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
Risks & watch-outs
- Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
- What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 0.78% ✗
- Cap rate
- 5.43%
- Cash-on-cash
- -3.09%
- DSCR
- 0.86
- GRM
- 10.6
CMA / ARV
No comps found within radius.
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 222 ROOSEVELT St | 0.03mi | 5/4.0 (+1) | — | 4mo | $975,000 | — | 74 |
| 53 COOPER Pl | 0.19mi | 5/3.0 (+1) | — | 5mo | $911,550 | — | 69 |
| 534 Lincoln St | 0.27mi | 5/3.5 (+1) | — | 0mo | $615,000 | — | 67 |
| 4017 HUDSON Ave | 0.28mi | 5/3.0 (+1) | — | 4mo | $820,000 | — | 66 |
| 27 48TH St | 0.30mi | 5/3.0 (+1) | — | 5mo | $1,111,000 | — | 64 |
| 416 41ST St | 0.29mi | 5/3.5 (+1) | — | 5mo | $699,000 | — | 63 |
| 1320 44TH St | 0.48mi | 5/3.0 (+1) | — | 1mo | $642,800 | — | 59 |
| 205 34TH St | 0.60mi | 4/3.0 | — | 1mo | $690,000 | — | 59 |
| 5423 BLVD E | 0.53mi | 4/2.5 | — | 4mo | $1,310,000 | — | 58 |
| 63 HIGHWOOD Ter | 0.54mi | 4/2.0 | — | 3mo | $1,215,000 | — | 56 |
| 620 37TH St | 0.56mi | 5/2.0 (+1) | — | 0mo | $735,000 | — | 52 |
| 1456 44TH St | 0.59mi | 5/2.0 (+1) | — | 2mo | $749,000 | — | 49 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
10.0% appreciation · 0.89% rent growth · sell at horizon
- IRR
- 21.4%
- Equity multiple
- 2.72×
- Total profit
- $325,674
- Equity at exit
- $608,093
- IRR
- 18.9%
- Equity multiple
- 6.10×
- Total profit
- $963,175
- Equity at exit
- $1,311,377
Cash invested: $189,000 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 21 Tenant-Leaning
- State New Jersey
- 21 Tenant-Leaning · D+6
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 07087
- Home prices YoY
- 9.6%
- Rents YoY
- 0.9%
- Active inventory
- 228
- Price-to-rent
- 21.3×
Monthly cashflow live
- Estimated rent
- $5,288 high interval (Pro) →
- Mortgage (P&I)
- −$3,540
- Tax est. 1.5%
- −$844 /mo · $10,125/yr
- Insurance
- −$281
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$1,110
- Net cashflow
- $-487
Break-even live
Sensitivity live
| Price | -10% $-21 | -5% $-254 | +0% $-487 | +5% $-720 | +10% $-954 |
|---|---|---|---|---|---|
| Rent | -10% $-905 | -5% $-696 | +0% $-487 | +5% $-278 | +10% $-70 |
| Rate | -1.0pp $-147 | -0.5pp $-316 | base $-487 | +0.5pp $-662 | +1.0pp $-840 |
2-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 2× units | 2 | 1.5 | $5,288 |
| #1 | 2 | 1.5 | $2,644 |
| #2 | 2 | 1.5 | $2,644 |
| Total (2 units) | $5,288 | ||
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $168,750
- Closing costs
- $20,250
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 212 45th St Unit 2 Union City, NJ | 3.0 | 2.0 | 1300 | $3,200 | $2.46 | 45d | 1 | 0.07mi |
| 4526 Brown St Unit 3 Union City, NJ | 3.0 | 1.0 | — | $2,800 | — | 13d | 1 | 0.09mi |
| 123 44th St Union City, NJ | 1.0–3.0 | 1.0–2.0 | 1121 | $3,820 | $3.41 | 5d | 11 | 0.16mi |
| 66 46th St Weehawken, NJ | 3.0 | 1.0 | — | $3,000 | — | 15d | 1 | 0.21mi |
| 411 51st St #3 West New York, NJ | 3.0 | 1.0 | — | $2,750 | — | 8d | 1 | 0.26mi |
| 528 47th St Unit 3A Union City, NJ | 3.0 | 2.0 | 1100 | $2,950 | $2.68 | 3d | 1 | 0.26mi |
| 234 51st St Apt 104 West New York, NJ | 3.0 | 1.0 | — | $2,995 | — | 26d | 1 | 0.26mi |
| 8 Cooper Pl Unit 3rd Fl Weehawken Township, NJ | 3.0 | 1.0 | — | $2,600 | — | 12d | 1 | 0.27mi |
| 8 Cooper Pl Unit 2nd Fl Weehawken Township, NJ | 3.0 | 1.0 | — | $3,600 | — | 12d | 1 | 0.27mi |
| 4110 Park Ave Weehawken, NJ | 3.0 | 2.0 | — | $2,850 | — | 26d | 1 | 0.28mi |
| 36 46th St #1 Weehawken, NJ | 3.0 | 2.0 | — | $3,495 | — | 26d | 1 | 0.28mi |
| 320 53rd St West New York, NJ | 2.0–3.0 | 2.0 | 1127 | $4,095 | $3.63 | 17d | 7 | 0.36mi |
| 911 Boulevard E #2 Weehawken, NJ | 3.0 | 2.0 | 1200 | $4,500 | $3.75 | 24d | 1 | 0.37mi |
| 542 41st St Unit 2 Union City, NJ | 3.0 | 1.0 | 1200 | $2,500 | $2.08 | 26d | 1 | 0.38mi |
| 542 41st St Unit 2 Union City, NJ | 3.0 | 1.0 | 1200 | $2,600 | $2.17 | 45d | 1 | 0.38mi |
| 5107 JFK Blvd E Unit FIRST West New York, NJ | 3.0 | 2.5 | — | $3,795 | — | 15d | 1 | 0.43mi |
| 42 Duer Pl Unit 1 Weehawken Township, NJ | 3.0 | 1.0 | 1200 | $3,200 | $2.67 | 26d | 1 | 0.47mi |
| 42 Duer Pl Unit 2 Weehawken Township, NJ | 3.0 | 1.0 | 1200 | $3,100 | $2.58 | 26d | 1 | 0.47mi |
| 1111 53rd St Unit Basement North Bergen, NJ | 3.0 | 2.0 | — | $3,599 | — | 0d | 1 | 0.48mi |
| 1308 46th St Unit 1 North Bergen, NJ | 3.0 | 2.0 | — | $3,000 | — | 26d | 1 | 0.50mi |
| 800 Ave At Port Imperial Blvd Weehawken, NJ | 2.0–3.0 | 2.0–3.0 | 1358 | $9,500 | $7.00 | 4d | 3 | 0.50mi |
| 800 Ave At Port Imperial Blvd Weehawken, NJ | 2.0–3.0 | 2.0–3.0 | 1457 | $9,500 | $6.52 | 22d | 3 | 0.50mi |
| 428 56th St Unit 1st Floor West New York, NJ | 3.0 | 1.0 | — | $2,800 | — | 26d | 1 | 0.51mi |
| 114 56th St West New York, NJ | 4.0 | 2.0 | — | $4,250 | — | 26d | 1 | 0.53mi |
| 1300 Avenue At Port Imperial Weehawken, NJ | 3.0 | 1.0–2.0 | 968 | $6,134 | $6.33 | 0d | 18 | 0.54mi |
| 1100 Avenue At Port Imperial Weehawken, NJ | 3.0 | 1.0–2.0 | 924 | $7,515 | $8.13 | 0d | 19 | 0.55mi |
| 1425 45th St Unit 2 North Bergen, NJ | 3.0 | 2.0 | — | $3,200 | — | 22d | 1 | 0.55mi |
| 4304 Meadowview Ave Unit 1 North Bergen, NJ | 4.0 | 2.0 | 1400 | $4,000 | $2.86 | 26d | 1 | 0.56mi |
| 1430 44th St North Bergen, NJ | 4.0 | 2.0 | — | $2,500 | — | 26d | 1 | 0.57mi |
| 1430 44th St Unit 1 North Bergen, NJ | 4.0 | 1.0 | — | $2,700 | — | 26d | 1 | 0.57mi |
| 5706 Broadway Unit 2 West New York, NJ | 3.0 | 1.0 | — | $2,800 | — | 15d | 1 | 0.57mi |
| 1432 46th St #4 North Bergen, NJ | 3.0 | 2.0 | — | $3,000 | — | 18d | 1 | 0.58mi |
| 1432 46th St #3 North Bergen, NJ | 3.0 | 2.0 | — | $2,900 | — | 5d | 1 | 0.58mi |
| 640 38th St Unit 1 Union City, NJ | 3.0 | 2.0 | — | $3,450 | — | 9d | 1 | 0.58mi |
| 640 38th St Unit 2 Union City, NJ | 3.0 | 2.0 | — | $2,850 | — | 45d | 1 | 0.58mi |
| 630 37th St Unit 2 Union City, NJ | 3.0 | 2.0 | — | $2,850 | — | 12d | 1 | 0.60mi |
| 630 37th St Unit 2 Union City, NJ | 3.0 | 2.0 | — | $2,850 | — | 45d | 1 | 0.60mi |
| 518 34th St Unit 2 Union City, NJ | 3.0 | 1.0 | — | $3,600 | — | 45d | 1 | 0.60mi |
| 3401 Park Ave Unit 12 Union City, NJ | 3.0 | 1.0 | — | $2,600 | — | 26d | 1 | 0.61mi |
| 633 37th St Unit 1 Union City, NJ | 5.0 | 1.0 | — | $3,600 | — | 45d | 1 | 0.62mi |
Listing history 11 events
-
2026-06-13statusdays on market $675,000 Under Contract 23 DOM
-
2026-06-09days on market $675,000 Active 21 DOM
-
2026-06-08days on market $675,000 Active 20 DOM
-
2026-06-07days on market $675,000 Active 19 DOM
-
2026-06-04days on market $675,000 Active 16 DOM
-
2026-06-03days on market $675,000 Active 15 DOM
-
2026-06-02days on market $675,000 Active 14 DOM
-
2026-06-01days on market $675,000 Active 13 DOM
-
2026-05-31days on market $675,000 Active 12 DOM
-
2026-05-20$675,000 Active
Show marketing remark (1563 chars)
Welcome to the kind of property savvy buyers wait for — a versatile, value-add 2-family home in the coveted Union Hill section of Union City. Located on a tranquil, tree-lined block just moments from Bergenline and Park Ave cafés and shops, steps to Boulevard East offering scenic Manhattan skyline views. and an easy commute into NYC. This 5-bedroom, 3 full bath property offers functional and effortlessly livable layouts. The first-floor unit features a bright living room, eat-in kitchen with laundry hook ups, two generously sized bedrooms, and full bath — ideal for owner occupants and tenants alike. Upstairs, the second unit offers a living room, spacious eat-in kitchen, three-bedrooms plus a bonus room perfect for a home office, creative studio, nursery, or oversized walk-in closet. A finished basement adds exceptional utility, abundant storage, and an additional full bathroom. Other highlights include separate electric and gas utilities, independent steam radiator heating systems for each unit, one parking space, and a well-loved backyard oasis with a mature fig tree, herbs, and veggies ready for your next harvest. Whether you’re an investor looking for strong upside or an owner-occupant seeking rental income, this property delivers scale, charm, and opportunity with authentic neighborhood character. With a few light cosmetic touches, this Union Hill neighborhood gem is just waiting for you to build equity! Sold as-is. Buyer responsible for obtaining cert of occupanc
-
2026-05-20$675,000 Active 1563-char remark
Show marketing remark (1563 chars)
Welcome to the kind of property savvy buyers wait for — a versatile, value-add 2-family home in the coveted Union Hill section of Union City. Located on a tranquil, tree-lined block just moments from Bergenline and Park Ave cafés and shops, steps to Boulevard East offering scenic Manhattan skyline views. and an easy commute into NYC. This 5-bedroom, 3 full bath property offers functional and effortlessly livable layouts. The first-floor unit features a bright living room, eat-in kitchen with laundry hook ups, two generously sized bedrooms, and full bath — ideal for owner occupants and tenants alike. Upstairs, the second unit offers a living room, spacious eat-in kitchen, three-bedrooms plus a bonus room perfect for a home office, creative studio, nursery, or oversized walk-in closet. A finished basement adds exceptional utility, abundant storage, and an additional full bathroom. Other highlights include separate electric and gas utilities, independent steam radiator heating systems for each unit, one parking space, and a well-loved backyard oasis with a mature fig tree, herbs, and veggies ready for your next harvest. Whether you’re an investor looking for strong upside or an owner-occupant seeking rental income, this property delivers scale, charm, and opportunity with authentic neighborhood character. With a few light cosmetic touches, this Union Hill neighborhood gem is just waiting for you to build equity! Sold as-is. Buyer responsible for obtaining cert of occupanc
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 7/10 Severe 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
- Wind 6/10 Major 27% chance of damaging wind over 30 yrs
- Air quality 4/10 Moderate 5 unhealthy d/yr today · 6 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $63,456
- − Mortgage interest
- −$37,810
- − Property taxes
- −$10,125
- − Insurance
- −$3,375
- − Repairs & maintenance
- −$5,076
- − Management
- −$5,076
- − Depreciation
- −$19,636
- Taxable loss
- −$17,644
- Est. tax savings @ 24.0%
- +$4,235
- After-tax cash flow
- $-1,613/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 1 photo
This 2-family home in Union City requires significant renovations to improve its condition and increase its value. Immediate repairs and maintenance are needed to address the poor condition of the kitchen, bathrooms, flooring, and exterior. Upgrading these areas will significantly enhance the home's appeal and value for both resale and rental.
Repairs flagged
- Major Kitchen appliances — Old and worn, need replacement.
- Major Bathroom fixtures — Outdated and in poor condition.
- Major Flooring — Worn and in need of replacement.
- Major Interior walls — Paint peeling and cracks need repair.
- Major Exterior siding — Peeling and in need of repainting.
- Major Windows — Paint peeling and need replacement.
- Major HVAC units — Old and likely inefficient, need replacement.
- Major Landscaping — Overgrown and needs trimming and planting.
Value-add opportunities
- Both Kitchen renovation — Modernizing the kitchen will attract both buyers and renters.
- Both Bathroom renovation — Updating bathrooms will improve both resale and rental value.
- Both Flooring replacement — Replacing worn flooring will enhance the home's appearance and functionality.
- Both Painting and exterior repairs — Refreshing the exterior will improve curb appeal and attract more buyers.
- Both HVAC replacement — Upgrading HVAC systems will improve comfort and energy efficiency, attracting both buyers and renters.
- Both Landscaping and garden design — A well-maintained and aesthetically pleasing landscape will enhance curb appeal and attract more buyers and renters.
Renovation cost estimate screening
| Repair item | Severity | Est. cost |
|---|---|---|
| Kitchen appliances · Old and worn, need replacement. | Major | $15,000–50,000 |
| Bathroom fixtures · Outdated and in poor condition. | Major | $15,000–50,000 |
| Flooring · Worn and in need of replacement. | Major | $15,000–50,000 |
| Interior walls · Paint peeling and cracks need repair. | Major | $15,000–50,000 |
| Exterior siding · Peeling and in need of repainting. | Major | $15,000–50,000 |
| Windows · Paint peeling and need replacement. | Major | $15,000–50,000 |
| HVAC units · Old and likely inefficient, need replacement. | Major | $15,000–50,000 |
| Landscaping · Overgrown and needs trimming and planting. | Major | $15,000–50,000 |
| Total estimated repair cost · 8 items | $120,000–400,000 |
Value-add ROI direction
- Both Kitchen renovation — Modernizing the kitchen will attract both buyers and renters. ↑
- Both Bathroom renovation — Updating bathrooms will improve both resale and rental value. ↑
- Both Flooring replacement — Replacing worn flooring will enhance the home's appearance and functionality. ↑
- Both Painting and exterior repairs — Refreshing the exterior will improve curb appeal and attract more buyers. ↑
- Both HVAC replacement — Upgrading HVAC systems will improve comfort and energy efficiency, attracting both buyers and renters. ↑
- Both Landscaping and garden design — A well-maintained and aesthetically pleasing landscape will enhance curb appeal and attract more buyers and renters. ↑
ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.
Schools (NCES district)
- District
- Union City School District
- NCES district ID
- 3416380
- Math proficiency
- 15% ▼ -19.00%
- Reading proficiency
- 36% ▼ -19.00%
- Median HH income
- $41,210
- Composite
- 21.55/100
- National rank
- #8312
- State rank
- #399 of 472 in NJ
Livability — Union City
- Score
- 77/100
- State rank
- #117
- US rank
- #2998
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Union City, NJ
- County
- Hudson County · 718,323 people
- City population
- 66,463
- Metro
- New York-Newark-Jersey City, NY-NJ-PA
- Population (ZIP)
- 66,463
- Household income
- $64,310
- Rent vs Own
- Severe rent burden
- 6042.0
Population outlook (Hudson County) Hauer SSP2
- Today (2025)
- 771,834 people
- By 2030
- 818,028 · +6.0%
- By 2040
- 907,866 · +17.6%
- By 2050
- 994,480 · +28.8%
- By 2075
- 1,163,301 · +50.7%
- By 2100
- 1,254,703 · +62.6%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly Hispanic (82%)
- Race & ethnicity
- Hispanic / Latino 82% Two or more races 28% White 10% Asian 4% Black 3% Native American 2%
- Hispanic origin (detail)
- Mexican 7% Puerto Rican 8% Cuban 9% Dominican 17%
- Foreign-born
- 55% · Canada, Jamaica, China
- Languages at home
- 18% English-only · Spanish 74% Other Indo-European 2% Arabic 1%
Political lean MEDSL · Hudson
- 2024 margin
- Strong D (+28.1) · D 62.6% · R 34.6% · Other 2.8%
- 2008→2024 swing
- -18.7pp toward R · 2008: 46.7pp · 2024: 28.1pp
- All cycles
- 2024: D+28.1 2020: D+46.2 2016: D+51.8 2012: D+55.7 2008: D+46.7
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 52.10%
- Current HPI
- 597.8126
- Rent YoY
- ▲ 0.89%
- Metro
- New York-Newark-Jersey City, NY-NJ-PA
- State GDP YoY
- ▲ 2.05%
- F500 in state
- 34
Industry mix (Fortune 500 HQ in NJ)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Consumer Goods | 3 | $31B |
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| Pharmaceuticals | 2 | $153B |
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| Technology | 2 | $21B |
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| Insurance | 2 | $20B |
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| Healthcare | 2 | $19B |
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| Financial Services | 1 | $70B |
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Price history
+0.0% since first listed2 events — show timeline
- 2026-05-20 Listed $675,000 NJMLS
- 2026-05-20 Listed $675,000 HCMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…