38 20th Street, Union City
technical data · neighborhood and transit
Quick answers
- What is the 2026 conforming loan limit in Hudson County?
- $1,209,750 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- Is radon a problem here?
- EPA radon zone 3, low potential.
- What natural disasters is 38 20th Street at risk for?
- FEMA's National Risk Index rates the area very low overall.
Safety and environment
FEMA natural hazard risk
Very Low
No single natural hazard ranks high for this area.
FEMA National Risk Index, census tract
Superfund site
1.2 mi
Grand Street Mercury (Deleted NPL Site). Check groundwater and vapor reports on the EPA site page.
EPA National Priorities List
Leaking fuel tanks
7 within 1,650 ft
Nearest: Zohara 1601 Llc, 1601 1605 Manhattan Ave (850 ft), open. 4 still open. Ask whether groundwater or soil vapor testing was done.
EPA UST Finder, leaking underground storage tank releases
Toxic release facility
2,200 ft
H Cross Co and 6 more within a mile. Reports chemical releases to air, water or land to EPA each year.
EPA Toxics Release Inventory
Radon potential
Low
Geology here keeps indoor radon low on average.
EPA and USGS Geologic Radon Potential Map
Nearest public schools
350 ft
Hudson Elementary School (350 ft), Emerson Middle School (800 ft), Colin Powell Elementary School (1,200 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Major airport
8.3 mi
LaGuardia (LGA). Aircraft may be audible under approach paths.
FAA large-hub airports
Conforming loan limit 2026
$1,209,750
Hudson County. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
Property tax after you buy
$7,000 a year
About $583 a month at New York's 1.40% median effective rate.
In New York City, small homes are capped at 6% a year (20% over five years), and the cap stays with the property through a sale.
Rough estimate. U.S. Census ACS median effective rates. Your county assessor sets the final bill.
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The money at this address
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Loan calculator for this address
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Rough estimate, with a fixed rate. The bank's offer may include fees and insurance.
More on 20th Street
All addressesViewing recommendations
What's worth checking in person before deciding.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- Look at the stairwell (cleanliness, smell) and the association's notice board: unpaid dues, conflicts, recent decisions.
- Schedule a viewing on a weekday too, between 6:00 and 7:30 PM, the window when the building is busiest: neighbors, parking, elevator.
- Knock on a neighboring door and ask two things: what bothers them most often, and what work is planned for the building.
- Ask for the latest maintenance bill from a winter month, not a summer one: that's where the real cost of living there shows up.
- Ask specifically where you'd park: is there paid city parking, who currently holds it, what the permit costs, and how long the waitlist is.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.