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98 W 49th St, Bayonne, NJ, 07002

5beds
2baths
--sqft
$629,000
--price/sqft
$4,402/moest. monthly cost
$176,080/yrincome needed

About This Home

Welcome to this spacious two-family home in the heart of Bayonne, offering a fantastic opportunity for both owner-occupants and investors. Each unit features its own kitchen, well-sized living areas, and multiple bedrooms filled with natural light. The property also includes a basement that provides extra storage and direct access to the attached garage, adding convenience and functionality. Located near schools, shopping, dining, and public transportation—including the Hudson-Bergen Light Rail—this home allows for an easy commute to New York City and surrounding areas. Enjoy proximity to a 130-acre park, a fantastic blend of suburban comfort and city convenience! With excellent rental potential and a prime location, this Bayonne property is a smart choice for investment or multi-generational living.

Getting Around

61
WalkingSomewhat Walkable
65
TransitGood Transit
51
BikeBikeable

Schools

3/10
Bayonne High SchoolGrades 9-121.2 mi

Construction

Materials

  • Construction materials: Aluminum Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Multi Level
  • Property subType: Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Baseboard,Natural Gas,Hot Water
  • Cooling features: Gas

Property

Parking

  • Parking features: 1 Car,Garage
  • Has garage: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Coastal Flooding
Cold Wave
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters Across New Jersey Counties

Fire
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,180$38,160
Home Insurance *$212$2,544
Property Taxes $817$9,804
Electricity $193$2,318
Total$4,402$52,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,925/yr
40% on housing$132,060/yr
45% on housing$117,386/yr

New Jersey FAIR Plan Programs

New Jersey Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 7,029Commercial: 173
Total Premiums$5.54M
Total Exposure$1.19B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 07002$363
Hudson County$473

vs Homes Sold Last Month

Median $/sqft

ZIP 07002$403
Hudson County$411

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-29Price change$649,000
2025-12-08Price change$679,000
2025-09-03Listed for sale$699,000
2017-12-11Sold$290,000
2017-08-21Price change$329,000
2017-07-13Listed for sale$349,000

For Sale by Agent

AgentJUSTIN A KILISZEK
BrokerageEXP REALTY LLC

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