08822 — Hunterdon County, New Jersey Market Snapshot
Housing market data for zip code 08822 in Hunterdon County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$562,500
Days to Sell
23
Homes Sold
76
Inventory
57
Sale-to-List
102.0%
New Listings
114
Price/SqFt
$300
Pending Sales
81
Conforming Loan Available
Most homebuyers in 08822 can comfortably use conventional financing. The median home price of $562,500 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 08822 are moving quickly at 23 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 08822 (102.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08822 can comfortably use conventional financing. The median home price of $562,500 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 08822 are set at the county level.
2026 Loan Limits — Hunterdon County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 08822
To purchase the median home at $562,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,460.
Monthly Payment
$4,460
Income Required
$191,130
Principal & Interest
$3,466/mo
Down Payment (5%)
$28,125
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 08822.
Estimated Monthly Payment
$3,631
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