08753 — Ocean County, New Jersey Market Snapshot
Housing market data for zip code 08753 in Ocean County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
164 sales in 2026 (year to date)
Median Sale Price
$550,000
Days to Sell
25
Homes Sold
164
Inventory
183
Sale-to-List
99.3%
New Listings
327
Price/SqFt
$316
Pending Sales
239
Conforming Loan Available
Most homebuyers in 08753 can comfortably use conventional financing. The median home price of $550,000 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
Homes in 08753 are moving quickly at 25 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 08753 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 08753 can comfortably use conventional financing. The median home price of $550,000 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 08753 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 08753
To purchase the median home at $550,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,364.
Monthly Payment
$4,364
Income Required
$187,026
Principal & Interest
$3,389/mo
Down Payment (5%)
$27,500
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 08753.
Estimated Monthly Payment
$3,554
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