New Jersey Income Limits by County, 2026

Are you under the income limit?

About these limits

HUD publishes a limit for every county each year. Most down payment help uses 80% of the area median income, adjusted for how many people live in the home. Limits are for the HUD area around the county, not the county alone. Source: HUD FY 2026 Income Limits.

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.

Choose your county to see the answer.

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CountyHouseholdIncomePriceSavings
More about income limits
New Jersey counties
CountyArea median incomeLow income (80%), 4 peopleVery 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.

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