08837 — Middlesex County, New Jersey Market Snapshot
Housing market data for zip code 08837 in Middlesex County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$310,501
Days to Sell
73
Homes Sold
27
Inventory
53
Sale-to-List
102.1%
New Listings
48
Price/SqFt
$382
Pending Sales
37
Conforming Loan Available
Most homebuyers in 08837 can comfortably use conventional financing. The median home price of $310,501 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 73 days on average, 08837 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 in 08837 are selling 2.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 08837 can comfortably use conventional financing. The median home price of $310,501 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 08837 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 08837
To purchase the median home at $310,501 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,529.
Monthly Payment
$2,529
Income Required
$108,384
Principal & Interest
$1,913/mo
Down Payment (5%)
$15,525
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 08837.
Estimated Monthly Payment
$2,072
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