08403 — Atlantic County, New Jersey Market Snapshot
Housing market data for zip code 08403 in Atlantic County, New Jersey. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Atlantic County county page for broader data.
Market Sales Data
6 sales in 2026 (year to date)
Median Sale Price
$2,837,437
Days to Sell
106
Homes Sold
6
Inventory
12
Jumbo Loan Likely Needed
The median home in 08403 at $2,837,437 exceeds the 2026 conforming loan limit of $832,750 by $2,004,687. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 106 days on average, 08403 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 08403 at $2,837,437 exceeds the 2026 conforming loan limit of $832,750 by $2,004,687. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 08403 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 08403
To purchase the median home at $2,837,437 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $21,890.
Monthly Payment
$21,890
Income Required
$938,123
Principal & Interest
$17,483/mo
Down Payment (5%)
$141,872
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 08403.
Estimated Monthly Payment
$17,710
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 08403.
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