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FHA loans in Old Bridge, NJ

Quick answer

The 2026 FHA loan limit in Old Bridge, NJ (Middlesex County) is $1,249,125 for a single-family home, enough for a purchase price up to about $1,294,000 with 3.5% down. On the $457,800 median home value, that down payment is about $16,023 and the estimated payment is $4,228/month at 7.18%, which needs roughly $182,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $106,934; value-to-income ratio 4.28. Old Bridge ranks 68 by home value and 35 by population among 159 places in our NJ dataset.

What does an FHA loan cost on a typical Old Bridge home?

ItemOld Bridge
Median home value (Census ACS)$457,800
New Jersey median home value$427,600
Down payment (3.5%)$16,023
Loan incl. 1.75% upfront MIP$449,508
Estimated monthly payment (PITI + MI)$4,228
Income needed (28% / 36%)$182,000 / $141,000
Middlesex County 2026 FHA limit (1 unit)$1,249,125
Max purchase price at the limit$1,294,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes New Jersey's 2.23% effective property tax rate (Census ACS), $1,551/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Old Bridge?

Old Bridge is in Middlesex County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $1,249,125. With the minimum 3.5% down, that caps the purchase price at about $1,294,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $1,209,750).

The Old Bridge median home value of $457,800 is 7% above the New Jersey median, and within what the county limit supports.

Which down payment assistance programs can Old Bridge buyers use?

FHA loans in nearby cities

South RiverRobertsvilleSayrevilleNew BrunswickHighland ParkPerth Amboy

FHA loan FAQs for Old Bridge

Old Bridge is in Middlesex County, where HUD's 2026 FHA limit for a one-unit home is $1,249,125. With 3.5% down, that supports a purchase price up to about $1,294,000.

3.5% of $457,800 is about $16,023 with a 580+ credit score (10%, or $45,780, with a 500–579 score), plus closing costs.

At the $457,800 median value (above the New Jersey median of $427,600), the estimated payment of $4,228/month at 7.18% needs about $182,000 a year under the 28% housing guideline, or $141,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.