07739 — Monmouth County, New Jersey Market Snapshot
Housing market data for zip code 07739 in Monmouth County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$1,295,000
Days to Sell
13
Homes Sold
15
Inventory
8
Sale-to-List
112.2%
New Listings
27
Price/SqFt
$613
Pending Sales
22
Jumbo Loan Likely Needed
The median home in 07739 at $1,295,000 exceeds the 2026 conforming loan limit of $1,209,750 by $85,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
07739 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 07739 are selling 12.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 07739 at $1,295,000 exceeds the 2026 conforming loan limit of $1,209,750 by $85,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 07739 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 07739
To purchase the median home at $1,295,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,072.
Monthly Payment
$10,072
Income Required
$431,652
Principal & Interest
$7,979/mo
Down Payment (5%)
$64,750
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 07739.
Estimated Monthly Payment
$8,164
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