07727 — Monmouth County, New Jersey Market Snapshot
Housing market data for zip code 07727 in Monmouth County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$864,900
Days to Sell
47
Homes Sold
21
Inventory
19
Sale-to-List
99.4%
New Listings
37
Price/SqFt
$343
Pending Sales
25
Conforming Loan Available
Most homebuyers in 07727 can comfortably use conventional financing. The median home price of $864,900 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
07727's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 07727 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 07727 can comfortably use conventional financing. The median home price of $864,900 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 07727 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 07727
To purchase the median home at $864,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,777.
Monthly Payment
$6,777
Income Required
$290,425
Principal & Interest
$5,329/mo
Down Payment (5%)
$43,245
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 07727.
Estimated Monthly Payment
$5,503
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