08901 — Middlesex County, New Jersey Market Snapshot
Housing market data for zip code 08901 in Middlesex County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
41 sales in 2026 (year to date)
Median Sale Price
$486,000
Days to Sell
86
Homes Sold
41
Inventory
81
Sale-to-List
100.2%
New Listings
71
Price/SqFt
$311
Pending Sales
64
Conforming Loan Available
Most homebuyers in 08901 can comfortably use conventional financing. The median home price of $486,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 86 days on average, 08901 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 08901 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08901 can comfortably use conventional financing. The median home price of $486,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 08901 are set at the county level.
2026 Loan Limits — Middlesex County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 08901
To purchase the median home at $486,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,874.
Monthly Payment
$3,874
Income Required
$166,011
Principal & Interest
$2,995/mo
Down Payment (5%)
$24,300
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 08901.
Estimated Monthly Payment
$3,158
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