08758 — Ocean County, New Jersey Market Snapshot
Housing market data for zip code 08758 in Ocean County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$567,000
Days to Sell
46
Homes Sold
35
Inventory
26
Sale-to-List
99.5%
New Listings
52
Price/SqFt
$288
Pending Sales
45
Conforming Loan Available
Most homebuyers in 08758 can comfortably use conventional financing. The median home price of $567,000 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
08758's market is balanced with homes taking an average of 46 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 08758 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08758 can comfortably use conventional financing. The median home price of $567,000 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 08758 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 08758
To purchase the median home at $567,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,494.
Monthly Payment
$4,494
Income Required
$192,607
Principal & Interest
$3,494/mo
Down Payment (5%)
$28,350
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 08758.
Estimated Monthly Payment
$3,659
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