08863 — Middlesex County, New Jersey Market Snapshot
Housing market data for zip code 08863 in Middlesex County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$575,000
Days to Sell
71
Homes Sold
13
Inventory
34
Sale-to-List
102.3%
New Listings
33
Price/SqFt
$385
Pending Sales
32
Conforming Loan Available
Most homebuyers in 08863 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 71 days on average, 08863 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 08863 are selling 2.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 08863 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 08863 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 08863
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 08863.
Estimated Monthly Payment
$3,709
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