08012 — Gloucester County, New Jersey Market Snapshot
Housing market data for zip code 08012 in Gloucester 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
$227,450
Days to Sell
25
Homes Sold
16
Inventory
4
Sale-to-List
99.6%
New Listings
13
Price/SqFt
$221
Pending Sales
15
Conforming Loan Available
Most homebuyers in 08012 can comfortably use conventional financing. The median home price of $227,450 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
Homes in 08012 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 08012 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08012 can comfortably use conventional financing. The median home price of $227,450 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 08012 are set at the county level.
2026 Loan Limits — Gloucester County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $630,200 |
| 2 Units | $1,066,250 | $806,750 |
| 3 Units | $1,288,800 | $975,200 |
| 4 Units | $1,601,750 | $1,211,950 |
Affordability Snapshot — Zip 08012
To purchase the median home at $227,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,893.
Monthly Payment
$1,893
Income Required
$81,113
Principal & Interest
$1,401/mo
Down Payment (5%)
$11,373
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 08012.
Estimated Monthly Payment
$1,558
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