07822 — Sussex County, New Jersey Market Snapshot
Housing market data for zip code 07822 in Sussex County, New Jersey. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Sussex County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$811,000
Days to Sell
11
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 07822 can comfortably use conventional financing. The median home price of $811,000 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
07822 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 07822 can comfortably use conventional financing. The median home price of $811,000 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 07822 are set at the county level.
2026 Loan Limits — Sussex 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 07822
To purchase the median home at $811,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,364.
Monthly Payment
$6,364
Income Required
$272,727
Principal & Interest
$4,997/mo
Down Payment (5%)
$40,550
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 07822.
Estimated Monthly Payment
$5,169
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