07730 — Monmouth County, New Jersey Market Snapshot
Housing market data for zip code 07730 in Monmouth County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$643,500
Days to Sell
15
Homes Sold
44
Inventory
24
Sale-to-List
101.4%
New Listings
67
Price/SqFt
$399
Pending Sales
53
Conforming Loan Available
Most homebuyers in 07730 can comfortably use conventional financing. The median home price of $643,500 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 07730 are moving quickly at 15 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 07730 (101.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 07730 can comfortably use conventional financing. The median home price of $643,500 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 07730 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 07730
To purchase the median home at $643,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,080.
Monthly Payment
$5,080
Income Required
$217,727
Principal & Interest
$3,965/mo
Down Payment (5%)
$32,175
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 07730.
Estimated Monthly Payment
$4,132
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