08527 — Ocean County, New Jersey Market Snapshot
Housing market data for zip code 08527 in Ocean County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
175 sales in 2026 (year to date)
Median Sale Price
$590,000
Days to Sell
58
Homes Sold
175
Inventory
262
Sale-to-List
99.4%
New Listings
343
Price/SqFt
$286
Pending Sales
225
Conforming Loan Available
Most homebuyers in 08527 can comfortably use conventional financing. The median home price of $590,000 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
08527's market is balanced with homes taking an average of 58 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 08527 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08527 can comfortably use conventional financing. The median home price of $590,000 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 08527 are set at the county level.
2026 Loan Limits — Ocean 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 08527
To purchase the median home at $590,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,670.
Monthly Payment
$4,670
Income Required
$200,160
Principal & Interest
$3,635/mo
Down Payment (5%)
$29,500
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 08527.
Estimated Monthly Payment
$3,801
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