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Residential (General/Single)Residential
$974,104$297 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $320,000 on Feb 11, 1999

198 RAY ST

GARFIELD, NJ 07026
0
Baths
3,276 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$974K
$825K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$320,000 · Feb 11, 1999

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$20,032 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$575,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$145,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$429,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$575,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$575,800

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyBERGEN
Lot (acres)The size of the land the home sits on, from county records.0.17
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Garfield Middle SchoolD+
Middle · Grades 6–8 · 0.1 mi
E
Washington Irving School #4B+
Elementary · Grades KG–5 · 0.3 mi
H
Garfield High SchoolD
High · Grades 9–12 · 0.5 mi

District: Garfield City School District

Neighborhood · ZIP 07026These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.120
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.113
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.120

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.34,150
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.15,132 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,598
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$101,448
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

198 Ray St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Garfield 07026
  • Costs less per square foot than 95% of homes in Bergen County
  • Bigger than 97% of homes in Garfield 07026
  • Has a bigger lot than 91% of homes in Garfield 07026
  • Newer than 92% of homes in Garfield 07026

What homes are worth in Garfield 07026

Each bar is how many homes fall in that price range. The marker is this home.

This home
$332K$946K

This home is worth more than almost all homes in Garfield 07026.

How it measures up in Garfield 07026

The dot is this home. The mark in the middle is the typical home in Garfield 07026.

Estimated value$974,104
CheaperTypical $630,862Pricier

Pricier than almost all homes nearby

Price per ft²$297
CheaperTypical $354Pricier

Pricier than 19% of homes nearby

Living area3,276 ft²
SmallerTypical 1,829 ft²Bigger

Bigger than 97% of homes nearby

Lot size0.16 ac
SmallerTypical 0.11 acBigger

Bigger than 91% of homes nearby

Year built1996
OlderTypical 1924Newer

Newer than 92% of homes nearby

How 198 Ray St ranks against every home in each area.
MeasureThis homeGarfield 07026Bergen County
Estimated valuepricier than$974,104almost all homes70% of homes
Price per ft²pricier than$29719% of homes5% of homes
Living areabigger than3,276 ft²97% of homes89% of homes
Lot sizebigger than0.16 ac91% of homes49% of homes
Year builtnewer than199692% of homes89% of homes

About 198 Ray St

How much is 198 Ray St, Garfield, NJ worth?

The TopHap Estimate for 198 Ray St, Garfield, NJ is $974,104 as of Sep 24, 2026. The likely range is $825,112 to $1,123,096. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 198 Ray St, Garfield, NJ last sell?

198 Ray St, Garfield, NJ last sold on Feb 11, 1999 for $320,000, according to the county's recorded deed.

How big is 198 Ray St, Garfield, NJ?

198 Ray St, Garfield, NJ has 3,276 square feet of living space and a 0.17-acre lot.

When was 198 Ray St, Garfield, NJ built?

198 Ray St, Garfield, NJ was built in 1996, making it 30 years old. The building has 2 stories.

What schools serve 198 Ray St, Garfield, NJ?

198 Ray St, Garfield, NJ is assigned to Garfield Middle School (middle), rated D+; Washington Irving School #4 (elementary), rated B+; Garfield High School (high), rated D. All sit in Garfield City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 198 Ray St, Garfield, NJ compare to other homes in Garfield 07026?

Among the 5,845 homes in Garfield 07026, it is worth more than almost all of them ($974,104 against a typical $630,862), its price per square foot is higher than 19% of them ($297 against a typical $354), it is bigger than 97% of them (3,276 ft² against a typical 1,829 ft²), its lot is bigger than 91% of them (0.16 ac against a typical 0.11 ac) and it is newer than 92% of them (1996 against a typical 1924). Measured against all of Bergen County, it is worth more than 70% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 198 Ray St, Garfield, NJ?

The 2025 property tax bill for 198 Ray St, Garfield, NJ was $20,032. The county assessed it at $575,800.

More homes on Ray St

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