08820 — Middlesex County, New Jersey Market Snapshot
Housing market data for zip code 08820 in Middlesex County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$885,953
Days to Sell
72
Homes Sold
44
Inventory
116
Sale-to-List
99.7%
New Listings
120
Price/SqFt
$395
Pending Sales
65
Conforming Loan Available
Most homebuyers in 08820 can comfortably use conventional financing. The median home price of $885,953 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
With homes sitting for 72 days on average, 08820 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
Homes are selling very close to asking price in 08820 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08820 can comfortably use conventional financing. The median home price of $885,953 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 08820 are set at the county level.
2026 Loan Limits — Middlesex 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 08820
To purchase the median home at $885,953 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,938.
Monthly Payment
$6,938
Income Required
$297,338
Principal & Interest
$5,459/mo
Down Payment (5%)
$44,298
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 08820.
Estimated Monthly Payment
$5,633
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