New Jersey Loan Limits by County, 2026
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.
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Atlantic County | $730,250 | $832,750 | High-cost |
| Bergen County | $1,249,125 | $1,209,750 | High-cost |
| Burlington County | $630,200 | $832,750 | High-cost |
| Camden County | $630,200 | $832,750 | High-cost |
| Cape May County | $730,250 | $832,750 | High-cost |
| Cumberland County | $541,287 | $832,750 | Floor |
| Essex County | $1,249,125 | $1,209,750 | High-cost |
| Gloucester County | $630,200 | $832,750 | High-cost |
| Hudson County | $1,249,125 | $1,209,750 | High-cost |
| Hunterdon County | $1,249,125 | $1,209,750 | High-cost |
| Mercer County | $541,287 | $832,750 | Floor |
| Middlesex County | $1,249,125 | $1,209,750 | High-cost |
| Monmouth County | $1,249,125 | $1,209,750 | High-cost |
| Morris County | $1,249,125 | $1,209,750 | High-cost |
| Ocean County | $1,249,125 | $1,209,750 | High-cost |
| Passaic County | $1,249,125 | $1,209,750 | High-cost |
| Salem County | $630,200 | $832,750 | High-cost |
| Somerset County | $1,249,125 | $1,209,750 | High-cost |
| Sussex County | $1,249,125 | $1,209,750 | High-cost |
| Union County | $1,249,125 | $1,209,750 | High-cost |
| Warren County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.