08201 — Atlantic County, New Jersey Market Snapshot
Housing market data for zip code 08201 in Atlantic County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$362,500
Days to Sell
50
Homes Sold
18
Inventory
20
Sale-to-List
99.6%
New Listings
24
Price/SqFt
$220
Pending Sales
23
Conforming Loan Available
Most homebuyers in 08201 can comfortably use conventional financing. The median home price of $362,500 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
08201's market is balanced with homes taking an average of 50 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 08201 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08201 can comfortably use conventional financing. The median home price of $362,500 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 08201 are set at the county level.
2026 Loan Limits — Atlantic County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $730,250 |
| 2 Units | $1,066,250 | $934,850 |
| 3 Units | $1,288,800 | $1,130,000 |
| 4 Units | $1,601,750 | $1,404,350 |
Affordability Snapshot — Zip 08201
To purchase the median home at $362,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,927.
Monthly Payment
$2,927
Income Required
$125,458
Principal & Interest
$2,234/mo
Down Payment (5%)
$18,125
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 08201.
Estimated Monthly Payment
$2,393
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