08401 — Atlantic County, New Jersey Market Snapshot
Housing market data for zip code 08401 in Atlantic County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
100 sales in 2026 (year to date)
Median Sale Price
$225,000
Days to Sell
99
Homes Sold
100
Inventory
324
Sale-to-List
94.6%
New Listings
195
Price/SqFt
$187
Pending Sales
135
Conforming Loan Available
Most homebuyers in 08401 can comfortably use conventional financing. The median home price of $225,000 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 99 days on average, 08401 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 08401 sells for 5.4% below asking price (94.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 08401 can comfortably use conventional financing. The median home price of $225,000 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 08401 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 08401
To purchase the median home at $225,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,874.
Monthly Payment
$1,874
Income Required
$80,309
Principal & Interest
$1,386/mo
Down Payment (5%)
$11,250
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 08401.
Estimated Monthly Payment
$1,542
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 08401. Tell us what you're looking for.