08902 — Middlesex County, New Jersey Market Snapshot
Housing market data for zip code 08902 in Middlesex County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
59 sales in 2026 (year to date)
Median Sale Price
$473,000
Days to Sell
68
Homes Sold
59
Inventory
95
Sale-to-List
100.9%
New Listings
103
Price/SqFt
$326
Pending Sales
71
Conforming Loan Available
Most homebuyers in 08902 can comfortably use conventional financing. The median home price of $473,000 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 68 days on average, 08902 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 08902 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08902 can comfortably use conventional financing. The median home price of $473,000 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 08902 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 08902
To purchase the median home at $473,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,774.
Monthly Payment
$3,774
Income Required
$161,742
Principal & Interest
$2,914/mo
Down Payment (5%)
$23,650
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 08902.
Estimated Monthly Payment
$3,077
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 08902. Tell us what you're looking for.