07712 — Monmouth County, New Jersey Market Snapshot
Housing market data for zip code 07712 in Monmouth County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
87 sales in 2026 (year to date)
Median Sale Price
$820,000
Days to Sell
20
Homes Sold
87
Inventory
114
Sale-to-List
99.8%
New Listings
183
Price/SqFt
$521
Pending Sales
138
Conforming Loan Available
Most homebuyers in 07712 can comfortably use conventional financing. The median home price of $820,000 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
Homes in 07712 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 07712 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 07712 can comfortably use conventional financing. The median home price of $820,000 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 07712 are set at the county level.
2026 Loan Limits — Monmouth 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 07712
To purchase the median home at $820,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,433.
Monthly Payment
$6,433
Income Required
$275,682
Principal & Interest
$5,053/mo
Down Payment (5%)
$41,000
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 07712.
Estimated Monthly Payment
$5,225
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 07712. Tell us what you're looking for.