08734 — Ocean County, New Jersey Market Snapshot
Housing market data for zip code 08734 in Ocean 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
$500,500
Days to Sell
19
Homes Sold
16
Inventory
18
Sale-to-List
101.9%
New Listings
43
Price/SqFt
$302
Pending Sales
34
Conforming Loan Available
Most homebuyers in 08734 can comfortably use conventional financing. The median home price of $500,500 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
Homes in 08734 are moving quickly at 19 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 08734 (101.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08734 can comfortably use conventional financing. The median home price of $500,500 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 08734 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 08734
To purchase the median home at $500,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,985.
Monthly Payment
$3,985
Income Required
$170,772
Principal & Interest
$3,084/mo
Down Payment (5%)
$25,025
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 08734.
Estimated Monthly Payment
$3,247
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