08736 — Monmouth County, New Jersey Market Snapshot
Housing market data for zip code 08736 in Monmouth County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$1,147,500
Days to Sell
20
Homes Sold
26
Inventory
21
Sale-to-List
101.3%
New Listings
47
Price/SqFt
$472
Pending Sales
35
Conforming Loan Available
The median home in 08736 at $1,147,500 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 08736 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 08736 (101.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 08736 at $1,147,500 falls within the 2026 conforming loan limit of $1,209,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 08736 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 08736
To purchase the median home at $1,147,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,942.
Monthly Payment
$8,942
Income Required
$383,219
Principal & Interest
$7,071/mo
Down Payment (5%)
$57,375
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 08736.
Estimated Monthly Payment
$7,252
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 08736. Tell us what you're looking for.