08221 — Atlantic County, New Jersey Market Snapshot
Housing market data for zip code 08221 in Atlantic County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$632,000
Days to Sell
57
Homes Sold
34
Inventory
45
Sale-to-List
96.9%
New Listings
43
Price/SqFt
$302
Pending Sales
32
Conforming Loan Available
Most homebuyers in 08221 can comfortably use conventional financing. The median home price of $632,000 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
08221's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 08221 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 08221 can comfortably use conventional financing. The median home price of $632,000 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 08221 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 08221
To purchase the median home at $632,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,992.
Monthly Payment
$4,992
Income Required
$213,951
Principal & Interest
$3,894/mo
Down Payment (5%)
$31,600
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 08221.
Estimated Monthly Payment
$4,061
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