07760 — Monmouth County, New Jersey Market Snapshot
Housing market data for zip code 07760 in Monmouth County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$2,305,000
Days to Sell
13
Homes Sold
22
Inventory
25
Sale-to-List
104.9%
New Listings
53
Price/SqFt
$766
Pending Sales
40
Jumbo Loan Likely Needed
The median home in 07760 at $2,305,000 exceeds the 2026 conforming loan limit of $1,209,750 by $1,095,250. 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
07760 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 07760 are selling 4.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 07760 at $2,305,000 exceeds the 2026 conforming loan limit of $1,209,750 by $1,095,250. 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 07760 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 07760
To purchase the median home at $2,305,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $17,810.
Monthly Payment
$17,810
Income Required
$763,293
Principal & Interest
$14,203/mo
Down Payment (5%)
$115,250
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 07760.
Estimated Monthly Payment
$14,415
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 07760.
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