08232 — Atlantic County, New Jersey Market Snapshot
Housing market data for zip code 08232 in Atlantic County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$242,128
Days to Sell
76
Homes Sold
40
Inventory
67
Sale-to-List
94.1%
New Listings
67
Price/SqFt
$171
Pending Sales
50
Conforming Loan Available
Most homebuyers in 08232 can comfortably use conventional financing. The median home price of $242,128 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 76 days on average, 08232 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
The average home in 08232 sells for 5.9% below asking price (94.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 08232 can comfortably use conventional financing. The median home price of $242,128 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 08232 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 08232
To purchase the median home at $242,128 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,005.
Monthly Payment
$2,005
Income Required
$85,933
Principal & Interest
$1,492/mo
Down Payment (5%)
$12,106
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 08232.
Estimated Monthly Payment
$1,648
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