08344 — Atlantic County, New Jersey Market Snapshot
Housing market data for zip code 08344 in Atlantic County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$347,450
Days to Sell
34
Homes Sold
16
Inventory
19
Sale-to-List
96.4%
New Listings
32
Price/SqFt
$206
Pending Sales
26
Conforming Loan Available
Most homebuyers in 08344 can comfortably use conventional financing. The median home price of $347,450 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
08344's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 08344 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 08344 can comfortably use conventional financing. The median home price of $347,450 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 08344 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 08344
To purchase the median home at $347,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,812.
Monthly Payment
$2,812
Income Required
$120,517
Principal & Interest
$2,141/mo
Down Payment (5%)
$17,373
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 08344.
Estimated Monthly Payment
$2,300
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