08831 — Middlesex County, New Jersey Market Snapshot
Housing market data for zip code 08831 in Middlesex 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
$463,390
Days to Sell
130
Homes Sold
24
Inventory
31
Sale-to-List
98.5%
New Listings
32
Price/SqFt
$348
Pending Sales
29
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $463,390 median-priced home in 08831 is $440,221. The 2026 conforming limit is $1,209,750. The limit applies to the loan amount, not the home price. 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 08831 is 130 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 08831 is 98.5%. 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 $463,390 median-priced home in 08831 is $440,221. The 2026 conforming limit is $1,209,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 08831 are set at the county level.
2026 Loan Limits — Middlesex 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 08831
To purchase the median home at $463,390 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $3,884.
Monthly Payment
$3,884
Income Required
$166,447
Principal & Interest
$2,855/mo
Property Tax
$695/mo
Home Insurance
$150/mo
Estimated PMI
$183/mo
Down Payment (5%)
$23,170
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 08831.
Estimated Monthly Payment
$3,018
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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