08854 — Middlesex County, New Jersey Market Snapshot
Housing market data for zip code 08854 in Middlesex County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
67 sales in 2026 (year to date)
Median Sale Price
$575,000
Days to Sell
61
Homes Sold
67
Inventory
119
Sale-to-List
103.7%
New Listings
144
Price/SqFt
$379
Pending Sales
98
Conforming Loan Available
Most homebuyers in 08854 can comfortably use conventional financing. The median home price of $575,000 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
With homes sitting for 61 days on average, 08854 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 08854 are selling 3.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 08854 can comfortably use conventional financing. The median home price of $575,000 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 08854 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 08854
To purchase the median home at $575,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,555.
Monthly Payment
$4,555
Income Required
$195,234
Principal & Interest
$3,543/mo
Down Payment (5%)
$28,750
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 08854.
Estimated Monthly Payment
$3,709
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