08086 — Gloucester County, New Jersey Market Snapshot
Housing market data for zip code 08086 in Gloucester County, New Jersey. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Gloucester County county page for broader data.
Market Sales Data
5 sales in 2026 (year to date)
Median Sale Price
$260,000
Days to Sell
58
Homes Sold
5
Inventory
2
Conforming Loan Available
Most homebuyers in 08086 can comfortably use conventional financing. The median home price of $260,000 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
08086's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 08086 can comfortably use conventional financing. The median home price of $260,000 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 08086 are set at the county level.
2026 Loan Limits — Gloucester County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $630,200 |
| 2 Units | $1,066,250 | $806,750 |
| 3 Units | $1,288,800 | $975,200 |
| 4 Units | $1,601,750 | $1,211,950 |
Affordability Snapshot — Zip 08086
To purchase the median home at $260,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,142.
Monthly Payment
$2,142
Income Required
$91,802
Principal & Interest
$1,602/mo
Down Payment (5%)
$13,000
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 08086.
Estimated Monthly Payment
$1,759
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