08846 — Middlesex County, New Jersey Market Snapshot
Housing market data for zip code 08846 in Middlesex County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$550,000
Days to Sell
59
Homes Sold
24
Inventory
18
Sale-to-List
102.7%
New Listings
32
Price/SqFt
$356
Pending Sales
34
Conforming Loan Available
Most homebuyers in 08846 can comfortably use conventional financing. The median home price of $550,000 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
08846's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 08846 are selling 2.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 08846 can comfortably use conventional financing. The median home price of $550,000 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 08846 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 08846
To purchase the median home at $550,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,364.
Monthly Payment
$4,364
Income Required
$187,026
Principal & Interest
$3,389/mo
Down Payment (5%)
$27,500
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 08846.
Estimated Monthly Payment
$3,554
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