Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in Perth Amboy, NJ

Quick answer

The 2026 FHA loan limit in Perth Amboy, 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 $339,200 median home value, that down payment is about $11,872 and the estimated payment is $3,166/month at 7.18%, which needs roughly $136,000 a year in income.

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

Median household income: $58,490; value-to-income ratio 5.80. Perth Amboy ranks 122 by home value and 17 by population among 159 places in our NJ dataset.

What does an FHA loan cost on a typical Perth Amboy home?

ItemPerth Amboy
Median home value (Census ACS)$339,200
New Jersey median home value$427,600
Down payment (3.5%)$11,872
Loan incl. 1.75% upfront MIP$333,056
Estimated monthly payment (PITI + MI)$3,166
Income needed (28% / 36%)$136,000 / $106,000
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 Perth Amboy?

Perth Amboy 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 Perth Amboy median home value of $339,200 is 21% below the New Jersey median, and within what the county limit supports.

Which down payment assistance programs can Perth Amboy buyers use?

FHA loans in nearby cities

WoodbridgeFordsIselinAvenelSayrevilleCarteret

FHA loan FAQs for Perth Amboy

Perth Amboy 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 $339,200 is about $11,872 with a 580+ credit score (10%, or $33,920, with a 500–579 score), plus closing costs.

At the $339,200 median value (below the New Jersey median of $427,600), the estimated payment of $3,166/month at 7.18% needs about $136,000 a year under the 28% housing guideline, or $106,000 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.

Get matched with FHA lenders in Perth Amboy

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

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.