08735 — Ocean County, New Jersey Market Snapshot
Housing market data for zip code 08735 in Ocean County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$1,224,500
Days to Sell
32
Homes Sold
24
Inventory
22
Sale-to-List
99.5%
New Listings
36
Price/SqFt
$1,108
Pending Sales
28
Jumbo Loan Likely Needed
The median home in 08735 at $1,224,500 exceeds the 2026 conforming loan limit of $1,209,750 by $14,750. 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
08735'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 08735 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 08735 at $1,224,500 exceeds the 2026 conforming loan limit of $1,209,750 by $14,750. 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 08735 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 08735
To purchase the median home at $1,224,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,532.
Monthly Payment
$9,532
Income Required
$408,503
Principal & Interest
$7,545/mo
Down Payment (5%)
$61,225
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 08735.
Estimated Monthly Payment
$7,728
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