08722 — Ocean County, New Jersey Market Snapshot
Housing market data for zip code 08722 in Ocean County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$485,000
Days to Sell
21
Homes Sold
30
Inventory
11
Sale-to-List
100.1%
New Listings
45
Price/SqFt
$322
Pending Sales
40
Conforming Loan Available
Most homebuyers in 08722 can comfortably use conventional financing. The median home price of $485,000 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
Homes in 08722 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 08722 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08722 can comfortably use conventional financing. The median home price of $485,000 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 08722 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 08722
To purchase the median home at $485,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,866.
Monthly Payment
$3,866
Income Required
$165,682
Principal & Interest
$2,988/mo
Down Payment (5%)
$24,250
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 08722.
Estimated Monthly Payment
$3,152
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