08865 — Warren County, New Jersey Market Snapshot
Housing market data for zip code 08865 in Warren County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
72 sales in 2026 (year to date)
Median Sale Price
$331,750
Days to Sell
21
Homes Sold
72
Inventory
70
Sale-to-List
100.5%
New Listings
123
Price/SqFt
$228
Pending Sales
95
Conforming Loan Available
Most homebuyers in 08865 can comfortably use conventional financing. The median home price of $331,750 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 08865 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 08865 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08865 can comfortably use conventional financing. The median home price of $331,750 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 08865 are set at the county level.
2026 Loan Limits — Warren County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 08865
To purchase the median home at $331,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,692.
Monthly Payment
$2,692
Income Required
$115,361
Principal & Interest
$2,044/mo
Down Payment (5%)
$16,588
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 08865.
Estimated Monthly Payment
$2,203
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