The median home in Garfield was built in 1954; there are 11,846 of them. What the code requires when that roof is replaced, and who signs off, is below.
New Roofing Costs connects homeowners with independent local roofing contractors. We do not perform roofing work.
This number connects homeowners who are planning a new roof or a full roof replacement with independent local roofing contractors. It is not for leak repairs or patch jobs. The call must come from the homeowner who decides on the roof. Calls may be recorded.
Permit
New Jersey treats a new covering on a detached one- or two-family house as ordinary maintenance: no permit, no notice (N.J.A.C. 5:23-2.7). In Garfield, 21% of homes are detached. An attached house, or work on rafters and beams, is not covered.
Source: N.J.A.C. 5:23-2.7
Layers
Which layers may stay is a Rehabilitation Subcode question in New Jersey (the IRC definitions are deleted by N.J.A.C. 5:23-3.21), and this site has not read that subcode yet. With 81% of Garfield’s homes were built before 1980, ask the contractor to count the layers before quoting.
Source: N.J.A.C. 5:23-3.21
Ice barrier
Only Sussex County meets New Jersey’s 25 °F January test for a required ice barrier (N.J.A.C. 5:23-3.21; DCA Bulletin 07-3). For Garfield, ask whether the quote includes one anyway.
Source: N.J.A.C. 5:23-3.21; NJ DCA Bulletin 07-3
Checked against the code text on October 24, 2026. The state’s code edition and the rest of its rules: roof replacement in New Jersey.
Of 11,191 occupied homes in Garfield, 5,006 (45%) are owner-occupied. Counting by decade, 30% before 1940, 63% before 1960, 81% before 1980 of the housing was in place, and 9% dates from 2000 on. (ACS 2020–2024.)
The housing is 21% detached houses, 8% attached single-family houses (rowhouses, twins and townhouses), 59% buildings of two to four units.
Of the 68 Bergen County municipalities on this site, Garfield has the 25th largest share of homes built before 1980: 81%, against a county range of 30% to 93%.
ZIP codes: 07026
| Place | Median built | Before 1980 | Owners | Row, twin | Hail days |
|---|---|---|---|---|---|
| Garfield | 1954 | 81% | 45% | 8% | 14 |
| Lodi | 1958 | 83% | 42% | 4% | 15 |
| Saddle Brook | 1958 | 75% | 69% | 3% | 15 |
| Elmwood Park | 1958 | 78% | 58% | 8% | 16 |
| Wallington | 1961 | 84% | 38% | 3% | 14 |
| Passaic | 1938 | 87% | 24% | 3% | 15 |
Median built: median year the homes were built. Before 1980: share of homes built then. Owners: share of homes that are owner-occupied. Row, twin: share of homes that are rowhouses, twins or townhouses. Census ACS 2020–2024. Hail days: days with hail of 1 inch or larger within 10 miles, 2006–2025, NOAA Storm Prediction Center.
Within 10 miles of Garfield, hail of an inch or more was reported on 14 days between 2006 and 2025, the biggest stones 2.5 in on July 8, 2021. The most recent was September 8, 2023.
At the county level, Garfield shares Bergen County’s record of 10 storm disaster declarations since 2006, the newest DR-4614 (Remnants of Hurricane Ida, September 2021). (OpenFEMA.)
Storm reports are what observers logged, not a measure of damage to any roof. When wind or hail damage means a new roof.
Useful life is HUD’s planning figure, not a warranty. More in the guides to shingles, metal, slate and flat roofs.
| Material | HUD useful life | Fits a house like | Watch for |
|---|---|---|---|
| Asphalt shingles | 20 years | Most pitched roofs; 21% of homes here are detached | Wind class set by the design wind speed (IRC Table R905.2.4.1) |
| Metal (standing seam, panels) | 50 years | Simple roofs with long, unbroken slopes | A complete standing-seam system may go over the old roof (R908.3.1) |
| Slate | 75 years | Older houses; 30% here predate 1940 | Can’t be roofed over; check the framing for the weight |
| Flat roof: EPDM or TPO | 15 years | Additions and porch roofs | Seams at walls and drainage |
New Jersey had 47,473 active home improvement registrations in October 2026; the one belonging to whoever quotes your roof in Garfield should be on the contract (N.J.S.A. 56:8-144).
Contracts, deposits and the right to cancel: checking a roofing contractor. What moves the price: new roof cost in New Jersey.
Detached houses: no permit, no notice. New Jersey treats a new covering on a detached one- or two-family house as ordinary maintenance: no permit, no notice (N.J.A.C. 5:23-2.7). In Garfield, 21% of homes are detached. An attached house, or work on rafters and beams, is not covered.
By the Census Bureau’s American Community Survey (2020–2024), the median home in Garfield was built in 1954, 81% of homes were built before 1980, 45% are owner-occupied.
Hail of 1 inch or larger was reported on 14 days within 10 miles of Garfield from 2006 through 2025 (NOAA Storm Prediction Center). A report means hail fell nearby, not that a roof was damaged.
New Jersey had 47,473 active home improvement registrations in October 2026; the one belonging to whoever quotes your roof in Garfield should be on the contract (N.J.S.A. 56:8-144).
The full list: before you call.
Checked October 24, 2026. Laws and code editions change; the date says when these were last read at the source.