New Jersey Income Limits by County, 2026
HUD's area median family income and the low-income limit (80% of median, family of four) for all 21 New Jersey counties, highest median first. These limits gate most down payment assistance and affordable mortgage programs.
| County | Area median income | Low income (80%), 4 people | Very low (50%), 4 people |
|---|---|---|---|
| Hunterdon County | $154,800 | $114,600 | $77,400 |
| Middlesex County | $154,800 | $114,600 | $77,400 |
| Somerset County | $154,800 | $114,600 | $77,400 |
| Monmouth County | $140,600 | $108,550 | $70,300 |
| Ocean County | $140,600 | $108,550 | $70,300 |
| Mercer County | $139,800 | $106,800 | $69,750 |
| Bergen County | $139,100 | $108,400 | $69,550 |
| Passaic County | $139,100 | $108,400 | $69,550 |
| Essex County | $138,400 | $106,800 | $69,200 |
| Morris County | $138,400 | $106,800 | $69,200 |
| Sussex County | $138,400 | $106,800 | $69,200 |
| Union County | $138,400 | $106,800 | $69,200 |
| Warren County | $127,900 | $102,300 | $63,950 |
| Burlington County | $122,700 | $98,150 | $61,350 |
| Camden County | $122,700 | $98,150 | $61,350 |
| Gloucester County | $122,700 | $98,150 | $61,350 |
| Salem County | $122,700 | $98,150 | $61,350 |
| Cape May County | $115,800 | $92,650 | $57,900 |
| Hudson County | $110,100 | $117,900 | $73,700 |
| Atlantic County | $97,500 | $87,050 | $54,400 |
| Cumberland County | $89,100 | $78,000 | $48,750 |
Sources
Figures are computed from the documents above and rounded to the dollar. All sources.
New Jersey first-time buyer programs →
Income limits in every state