07849 — Sussex County, New Jersey Market Snapshot
Housing market data for zip code 07849 in Sussex County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$680,000
Days to Sell
22
Homes Sold
23
Inventory
18
Sale-to-List
103.2%
New Listings
42
Price/SqFt
$306
Pending Sales
35
Conforming Loan Available
Most homebuyers in 07849 can comfortably use conventional financing. The median home price of $680,000 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 07849 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 07849 are selling 3.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 07849 can comfortably use conventional financing. The median home price of $680,000 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 07849 are set at the county level.
2026 Loan Limits — Sussex 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 07849
To purchase the median home at $680,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,360.
Monthly Payment
$5,360
Income Required
$229,712
Principal & Interest
$4,190/mo
Down Payment (5%)
$34,000
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 07849.
Estimated Monthly Payment
$4,358
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