08096 — Gloucester County, New Jersey Market Snapshot
Housing market data for zip code 08096 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
$372,450
Days to Sell
43
Homes Sold
16
Inventory
10
Sale-to-List
100.0%
New Listings
21
Price/SqFt
$201
Pending Sales
15
Conforming Loan Available
Most homebuyers in 08096 can comfortably use conventional financing. The median home price of $372,450 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
08096's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 08096 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08096 can comfortably use conventional financing. The median home price of $372,450 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 08096 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 08096
To purchase the median home at $372,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,004.
Monthly Payment
$3,004
Income Required
$128,726
Principal & Interest
$2,295/mo
Down Payment (5%)
$18,623
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 08096.
Estimated Monthly Payment
$2,455
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