08558 — Mercer County, New Jersey Market Snapshot
Housing market data for zip code 08558 in Mercer County, New Jersey. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$997,499
Days to Sell
41
Homes Sold
16
Inventory
29
Sale-to-List
101.7%
New Listings
41
Price/SqFt
$392
Pending Sales
26
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $997,499 median-priced home in 08558 is $947,624. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $114,874 above the limit. A base loan at or below the limit would require at least 16.6% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 08558 is 41 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 08558 is 101.7%. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $997,499 median-priced home in 08558 is $947,624. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $114,874 above the limit. A base loan at or below the limit would require at least 16.6% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 08558 are set at the county level.
2026 Loan Limits — Mercer County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 08558
To purchase the median home at $997,499 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $8,187.
Monthly Payment
$8,187
Income Required
$350,887
Principal & Interest
$6,146/mo
Property Tax
$1,496/mo
Home Insurance
$150/mo
Estimated PMI
$395/mo
Down Payment (5%)
$49,875
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 08558.
Estimated Monthly Payment
$6,323
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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