08558 — Mercer County, New Jersey Market Snapshot
Housing market data for zip code 08558 in Mercer 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
$997,499
Days to Sell
41
Homes Sold
16
Inventory
29
Sale-to-List
101.7%
New Listings
41
Price/SqFt
$392
Pending Sales
26
Jumbo Loan Likely Needed
The median home in 08558 at $997,499 exceeds the 2026 conforming loan limit of $832,750 by $164,749. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
08558's market is balanced with homes taking an average of 41 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 08558 (101.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 08558 at $997,499 exceeds the 2026 conforming loan limit of $832,750 by $164,749. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 08558 are set at the county level.
2026 Loan Limits — Mercer County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 08558
To purchase the median home at $997,499 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,793.
Monthly Payment
$7,793
Income Required
$333,965
Principal & Interest
$6,146/mo
Down Payment (5%)
$49,875
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 08558.
Estimated Monthly Payment
$6,323
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