08904 — Middlesex County, New Jersey Market Snapshot
Housing market data for zip code 08904 in Middlesex County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$528,500
Days to Sell
66
Homes Sold
16
Inventory
31
Sale-to-List
102.5%
New Listings
32
Price/SqFt
$344
Pending Sales
23
Conforming Loan Available
Most homebuyers in 08904 can comfortably use conventional financing. The median home price of $528,500 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 66 days on average, 08904 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 in 08904 are selling 2.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 08904 can comfortably use conventional financing. The median home price of $528,500 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 08904 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 08904
To purchase the median home at $528,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,199.
Monthly Payment
$4,199
Income Required
$179,966
Principal & Interest
$3,256/mo
Down Payment (5%)
$26,425
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 08904.
Estimated Monthly Payment
$3,421
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