Mold Removal Cost And Risk In Bergen County, NJ

A typical professional mold job in Bergen County runs about $1,700 to $6,750 before rebuild, using the New York-Newark-Jersey City, NY-NJ price level. Below are the 66 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and New Jersey rules.

1959Median year homes were built

75%Homes built before 1980

35%Homes rented, not owned

$593,200Median home value

368,535Housing units

954,717People

Housing figures from Census ACS 2019 to 2023. Remediation workers here earn a median $35.61 an hour, BLS May 2025 wage survey.

Half the homes in Bergen County were built before 1959, and 75 percent went up before 1980. Older plumbing, roofs and window seals are where slow leaks start, and slow leaks are the mold most home policies leave out. About 35 percent of homes in Bergen County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 07603 has the oldest homes here, a median year of 1938, and ZIP 07020 the newest, 1996.

Typical Prices In Bergen County

Job	Size	National Range	Bergen County Estimate
Mold Remediation	a typical professional job	$1,500 to $6,000	$1,700 to $6,750
Mold Remediation	an attic	$2,000 to $7,500	$2,250 to $8,450
Mold Inspection and Testing	a visual inspection	$200 to $600	$250 to $700
Mold Inspection and Testing	an inspection with samples	$300 to $1,000	$350 to $1,150
Mold Inspection and Testing	a clearance test	$300 to $800	$350 to $900

Estimate is the national range times 112.6 divided by 100, the price level for New York-Newark-Jersey City, NY-NJ, rounded to $50. National ranges from Remediational cost guide, price level from BEA Regional Price Parities 2024.

The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $6,750, that cap falls short by about $1,750 at the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates Bergen County high for inland flooding, coastal flooding, cold wave, winter weather. Water from these events is where mold claims start, and flood water is a separate policy. FloodSmart says mold damage is not covered under standard NFIP flood policies. FloodSmart

Hazard	FEMA Risk Rating
Inland flooding	Relatively High
Coastal flooding	Very High
Hurricane	Relatively Moderate
Cold wave	Relatively High
Winter weather	Very High

Source FEMA National Risk Index, December 2025, county level.

ZIP Code Neighborhoods In Bergen County

ZIP	Area	Median Year Built	Built Before 1980	Median Home Value
07010	Cliffside Park	1970	70%	$577,200
07020	Edgewater	1996	26%	$723,400
07022	Fairview	1957	80%	$512,100
07024	Fort Lee	1970	66%	$422,200
07026	Garfield	1954	83%	$454,300
07031	North Arlington	1954	91%	$464,700
07057	Wallington	1960	83%	$493,700
07070	Rutherford	1945	87%	$580,800
07071	Bergen County	1956	76%	$496,000
07072	Carlstadt	1954	86%	$523,800
07073	East Rutherford	1964	68%	$453,500
07074	Moonachie	1968	65%	$450,800
07075	Wood-Ridge	1964	61%	$532,900
07401	Allendale	1966	63%	$764,600
07407	Elmwood Park	1957	80%	$456,000
07410	Fair Lawn	1953	87%	$532,700
07417	Franklin Lakes	1981	48%	$1,218,500
07423	Ho-Ho-Kus	1958	83%	$1,032,800
07430	Bergen County	1985	34%	$590,400
07432	Midland Park	1953	79%	$586,200
07436	Oakland	1960	82%	$566,900
07446	Ramsey	1968	69%	$665,700
07450	Ridgewood	1950	90%	$882,700
07452	Glen Rock	1952	81%	$817,300
07458	Upper Saddle River	1976	55%	$1,187,100
07463	Waldwick	1957	85%	$576,200
07481	Bergen County	1965	72%	$908,900
07601	Hackensack	1967	72%	$370,300
07603	Bogota	1938	87%	$443,400
07604	Hasbrouck Heights	1954	91%	$508,500
07605	Leonia	1946	83%	$634,500
07606	Bergen County	1966	72%	$514,700
07607	Maywood	1952	90%	$495,700
07608	Teterboro	1991	46%	Not published
07620	Alpine	1982	43%	$2,000,001
07621	Bergenfield	1955	84%	$469,200
07624	Closter	1957	79%	$820,100
07626	Cresskill	1964	68%	$764,800
07627	Demarest	1964	63%	$965,400
07628	Dumont	1952	90%	$469,900
07630	Emerson	1960	83%	$626,000
07631	Englewood	1959	65%	$497,500
07632	Englewood Cliffs	1970	58%	$1,232,700
07640	Harrington Park	1963	80%	$709,200
07641	Haworth	1953	83%	$815,300
07642	Hillsdale	1959	85%	$656,800
07643	Little Ferry	1962	79%	$388,500
07644	Lodi	1958	84%	$449,200
07645	Montvale	1968	68%	$688,500
07646	New Milford	1953	90%	$554,800
07647	Northvale	1968	68%	$588,800
07648	Norwood	1979	50%	$676,400
07649	Oradell	1956	88%	$702,400
07650	Palisades Park	1976	54%	$704,400
07652	Paramus	1963	69%	$736,000
07656	Park Ridge	1963	76%	$666,200
07657	Ridgefield	1957	78%	$609,700
07660	Ridgefield Park	1947	93%	$459,400
07661	River Edge	1954	84%	$637,500
07662	Bergen County	1955	87%	$470,200
07663	Bergen County	1959	74%	$473,700
07666	Bergen County	1950	88%	$496,400
07670	Tenafly	1957	71%	$974,300
07675	Bergen County	1967	68%	$680,600
07676	Bergen County	1962	82%	$640,600
07677	Woodcliff Lake	1969	58%	$901,800

ZIP areas are Census ZIP Code Tabulation Areas, placed in the county that holds most of their land, per the Census 2020 ZIP relationship files.

New Jersey Rules On Mold

New Jersey Mold And Insurance Rules

New Jersey asks insurers to offer mold coverage of $10,000, with higher limits of $25,000 and $50,000 available. NJ DOBI Bulletin 02-14
Mold liability coverage in New Jersey should apply up to at least $50,000. NJ DOBI Bulletin 02-14
Licensing. New Jersey has no rules for mold inspections, and mold inspectors do not need a license or certification. After a flood, cleaning and mold removal, NJ Department of Health
New Jersey's health guide says a homeowner can often clean mold areas under 10 square feet. Mold Guidelines for New Jersey Residents

All New Jersey Mold And Insurance Rules lines

New Jersey Department of Banking and Insurance

New Jersey Bulletin 02-14 says mold property coverage should be offered at 10,000 dollars a year, with 25,000 and 50,000 dollar options. Bulletin No. 02-14 Mold/Fungus Exclusion Guidelines
The same bulletin says mold liability coverage should apply up to at least 50,000 dollars, with up to 100,000 dollars on request. Bulletin No. 02-14 Mold/Fungus Exclusion Guidelines

All New Jersey Department of Banking and Insurance lines

All New Jersey counties