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227 46TH St Duplex
D Composite 43.29
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

227 46TH St · Union City, NJ 07087
4 bd · 3.0 ba · — sqft · MultiFamily · 23 Days on market
Fair condition

🖨 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

2 FAMILY HOMEUNION HILL SECTIONTREE LINED BLOCKEASY COMMUTE INTO MANHATTANBRIGHT LIVING ROOMEAT IN KITCHEN

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

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

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.
Recommended offer $528,800 (21.7% below list)

Questions for the listing agent

  1. 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?
  2. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
  3. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
  4. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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.
  8. 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.
  9. 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

5-year hold
IRR
21.4%
Equity multiple
2.72×
Total profit
$325,674
Equity at exit
$608,093
10-year hold
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
Anti-eviction Act requires just-cause statewide; rent control in 100+ municipalities; one of the most tenant-friendly states.

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

Break-even rent $5,905
Max offer price $604,494
Occupancy floor

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)

UnitsBedsBathsEst. rent
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

AddressBedsBaths SqftRent$/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

  1. 2026-06-13
    statusdays on market $675,000 Under Contract 23 DOM
  2. 2026-06-09
    days on market $675,000 Active 21 DOM
  3. 2026-06-08
    days on market $675,000 Active 20 DOM
  4. 2026-06-07
    days on market $675,000 Active 19 DOM
  5. 2026-06-04
    days on market $675,000 Active 16 DOM
  6. 2026-06-03
    days on market $675,000 Active 15 DOM
  7. 2026-06-02
    days on market $675,000 Active 14 DOM
  8. 2026-06-01
    days on market $675,000 Active 13 DOM
  9. 2026-05-31
    days on market $675,000 Active 12 DOM
  10. 2026-05-20
    listed $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

  11. 2026-05-20
    listed $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

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Walkable amenities ~0.75 mi

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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
combined federal + state — saved on this device
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

Fair 45/100 Moderate rehab

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 itemSeverityEst. 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

Amenities A+ Commute A+ Cost of living F Crime C+ Employment C+ Housing C+ Health & safety A User ratings B-

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
80.9% rent · 19.1% 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

Price history

+0.0% since first listed
2 events — show timeline
  • 2026-05-20 Listed $675,000 NJMLS
  • 2026-05-20 Listed $675,000 HCMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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