08005 — Ocean County, New Jersey Market Snapshot
Housing market data for zip code 08005 in Ocean County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
100 sales in 2026 (year to date)
Median Sale Price
$482,000
Days to Sell
32
Homes Sold
100
Inventory
81
Sale-to-List
99.3%
New Listings
147
Price/SqFt
$257
Pending Sales
126
Conforming Loan Available
Most homebuyers in 08005 can comfortably use conventional financing. The median home price of $482,000 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
08005's market is balanced with homes taking an average of 32 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 08005 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08005 can comfortably use conventional financing. The median home price of $482,000 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 08005 are set at the county level.
2026 Loan Limits — Ocean 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 08005
To purchase the median home at $482,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,843.
Monthly Payment
$3,843
Income Required
$164,697
Principal & Interest
$2,970/mo
Down Payment (5%)
$24,100
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 08005.
Estimated Monthly Payment
$3,133
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 08005. Tell us what you're looking for.