08244 — Atlantic County, New Jersey Market Snapshot
Housing market data for zip code 08244 in Atlantic County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$437,500
Days to Sell
84
Homes Sold
38
Inventory
63
Sale-to-List
97.3%
New Listings
62
Price/SqFt
$345
Pending Sales
48
Conforming Loan Available
Most homebuyers in 08244 can comfortably use conventional financing. The median home price of $437,500 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 84 days on average, 08244 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
The average home in 08244 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 08244 can comfortably use conventional financing. The median home price of $437,500 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 08244 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 08244
To purchase the median home at $437,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,502.
Monthly Payment
$3,502
Income Required
$150,085
Principal & Interest
$2,696/mo
Down Payment (5%)
$21,875
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 08244.
Estimated Monthly Payment
$2,858
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