08534 — Mercer County, New Jersey Market Snapshot
Housing market data for zip code 08534 in Mercer County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$733,090
Days to Sell
45
Homes Sold
31
Inventory
45
Sale-to-List
101.7%
New Listings
67
Price/SqFt
$354
Pending Sales
52
Conforming Loan Available
The median home in 08534 at $733,090 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
08534's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 08534 (101.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 08534 at $733,090 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 08534 are set at the county level.
2026 Loan Limits — Mercer County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 08534
To purchase the median home at $733,090 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,767.
Monthly Payment
$5,767
Income Required
$247,144
Principal & Interest
$4,517/mo
Down Payment (5%)
$36,655
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 08534.
Estimated Monthly Payment
$4,687
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 08534. Tell us what you're looking for.