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FHA loans in Waldwick, NJ

Quick answer

The 2026 FHA loan limit in Waldwick, NJ (Bergen 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 $576,200 median home value, that down payment is about $20,167 and the estimated payment is $5,288/month at 7.18%, which needs roughly $227,000 a year in income.

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

Median household income: $155,526; value-to-income ratio 3.70. Waldwick ranks 32 by home value and 153 by population among 159 places in our NJ dataset.

What does an FHA loan cost on a typical Waldwick home?

ItemWaldwick
Median home value (Census ACS)$576,200
New Jersey median home value$427,600
Down payment (3.5%)$20,167
Loan incl. 1.75% upfront MIP$565,764
Estimated monthly payment (PITI + MI)$5,288
Income needed (28% / 36%)$227,000 / $177,000
Bergen 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 Waldwick?

Waldwick is in Bergen 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 Waldwick median home value of $576,200 is 35% above the New Jersey median, and within what the county limit supports.

Which down payment assistance programs can Waldwick buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Waldwick

Waldwick is in Bergen 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 $576,200 is about $20,167 with a 580+ credit score (10%, or $57,620, with a 500–579 score), plus closing costs.

At the $576,200 median value (above the New Jersey median of $427,600), the estimated payment of $5,288/month at 7.18% needs about $227,000 a year under the 28% housing guideline, or $177,000 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.