08234 — Atlantic County, New Jersey Market Snapshot
Housing market data for zip code 08234 in Atlantic County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$341,490
Days to Sell
64
Homes Sold
20
Inventory
15
Sale-to-List
99.5%
New Listings
30
Price/SqFt
$226
Pending Sales
30
Conforming Loan Available
Most homebuyers in 08234 can comfortably use conventional financing. The median home price of $341,490 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 64 days on average, 08234 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 08234 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08234 can comfortably use conventional financing. The median home price of $341,490 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 08234 are set at the county level.
2026 Loan Limits — Atlantic County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $730,250 |
| 2 Units | $1,066,250 | $934,850 |
| 3 Units | $1,288,800 | $1,130,000 |
| 4 Units | $1,601,750 | $1,404,350 |
Affordability Snapshot — Zip 08234
To purchase the median home at $341,490 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,766.
Monthly Payment
$2,766
Income Required
$118,559
Principal & Interest
$2,104/mo
Down Payment (5%)
$17,075
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 08234.
Estimated Monthly Payment
$2,263
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