What are the loan limits in each New Jersey county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Atlantic County | $832,750 | $730,250 | $934,850 | $272,700 |
| Bergen County | $1,209,750 | $1,249,125 | $1,599,375 | $593,200 |
| Burlington County | $832,750 | $630,200 | $806,750 | $326,700 |
| Camden County | $832,750 | $630,200 | $806,750 | $262,200 |
| Cape May County | $832,750 | $730,250 | $934,850 | $395,000 |
| Cumberland County | $832,750 | $541,287 | $693,050 | $205,600 |
| Essex County | $1,209,750 | $1,249,125 | $1,599,375 | $494,400 |
| Gloucester County | $832,750 | $630,200 | $806,750 | $283,500 |
| Hudson County | $1,209,750 | $1,249,125 | $1,599,375 | $508,600 |
| Hunterdon County | $1,209,750 | $1,249,125 | $1,599,375 | $498,800 |
| Mercer County | $832,750 | $541,287 | $693,050 | $351,000 |
| Middlesex County | $1,209,750 | $1,249,125 | $1,599,375 | $439,300 |
| Monmouth County | $1,209,750 | $1,249,125 | $1,599,375 | $566,500 |
| Morris County | $1,209,750 | $1,249,125 | $1,599,375 | $557,000 |
| Ocean County | $1,209,750 | $1,249,125 | $1,599,375 | $366,600 |
| Passaic County | $1,209,750 | $1,249,125 | $1,599,375 | $439,400 |
| Salem County | $832,750 | $630,200 | $806,750 | $223,000 |
| Somerset County | $1,209,750 | $1,249,125 | $1,599,375 | $523,900 |
| Sussex County | $1,209,750 | $1,249,125 | $1,599,375 | $342,800 |
| Union County | $1,209,750 | $1,249,125 | $1,599,375 | $488,800 |
| Warren County | $832,750 | $541,287 | $693,050 | $323,100 |
Which New Jersey counties are high-cost areas?
Bergen County, Essex County, Hudson County, Hunterdon County, Middlesex County, Monmouth County, Morris County, Ocean County, Passaic County, Somerset County, Sussex County, Union County have conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in New Jersey
Frequently asked questions
FHA one-unit limits in New Jersey start at $541,287. In Bergen County, the most populous county, it's $1,249,125.
The 2026 one-unit conforming limit in Bergen County is $1,209,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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