08205 — Atlantic County, New Jersey Market Snapshot
Housing market data for zip code 08205 in Atlantic County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
81 sales in 2026 (year to date)
Median Sale Price
$304,000
Days to Sell
64
Homes Sold
81
Inventory
161
Sale-to-List
99.0%
New Listings
160
Price/SqFt
$209
Pending Sales
126
Conforming Loan Available
Most homebuyers in 08205 can comfortably use conventional financing. The median home price of $304,000 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
With homes sitting for 64 days on average, 08205 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 08205 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08205 can comfortably use conventional financing. The median home price of $304,000 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 08205 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 08205
To purchase the median home at $304,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,479.
Monthly Payment
$2,479
Income Required
$106,249
Principal & Interest
$1,873/mo
Down Payment (5%)
$15,200
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 08205.
Estimated Monthly Payment
$2,031
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