07734 — Monmouth County, New Jersey Market Snapshot
Housing market data for zip code 07734 in Monmouth County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
42 sales in 2026 (year to date)
Median Sale Price
$417,500
Days to Sell
37
Homes Sold
42
Inventory
52
Sale-to-List
99.6%
New Listings
85
Price/SqFt
$335
Pending Sales
75
Conforming Loan Available
Most homebuyers in 07734 can comfortably use conventional financing. The median home price of $417,500 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
07734's market is balanced with homes taking an average of 37 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 07734 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 07734 can comfortably use conventional financing. The median home price of $417,500 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 07734 are set at the county level.
2026 Loan Limits — Monmouth 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 07734
To purchase the median home at $417,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,349.
Monthly Payment
$3,349
Income Required
$143,518
Principal & Interest
$2,573/mo
Down Payment (5%)
$20,875
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 07734.
Estimated Monthly Payment
$2,734
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