New Jersey Loan Limits by County, 2026

How big a loan can your county back?

About these limits

FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.

FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 21 New Jersey counties. 18 counties are high-cost areas with FHA limits above the national floor.

Choose your county to see the answer.

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CountyHouseholdIncomePriceSavings
More about loan limits
New Jersey counties
CountyFHA limit (1 unit)Conforming limit (1 unit)Area
Atlantic County$730,250$832,750High-cost
Bergen County$1,249,125$1,209,750High-cost
Burlington County$630,200$832,750High-cost
Camden County$630,200$832,750High-cost
Cape May County$730,250$832,750High-cost
Cumberland County$541,287$832,750Floor
Essex County$1,249,125$1,209,750High-cost
Gloucester County$630,200$832,750High-cost
Hudson County$1,249,125$1,209,750High-cost
Hunterdon County$1,249,125$1,209,750High-cost
Mercer County$541,287$832,750Floor
Middlesex County$1,249,125$1,209,750High-cost
Monmouth County$1,249,125$1,209,750High-cost
Morris County$1,249,125$1,209,750High-cost
Ocean County$1,249,125$1,209,750High-cost
Passaic County$1,249,125$1,209,750High-cost
Salem County$630,200$832,750High-cost
Somerset County$1,249,125$1,209,750High-cost
Sussex County$1,249,125$1,209,750High-cost
Union County$1,249,125$1,209,750High-cost
Warren County$541,287$832,750Floor

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

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