Bergen County, New Jersey loan limits 2026
FIPS 34003 · 71 ZIP codes, e.g. 07010, 07020, 07022, 07024, 07026, 07031 · metro area (CBSA) 35620
In Bergen County the 2026 conforming loan limit is $1,209,750 for a single-family home — a high-cost area, 45.3% above the national baseline. The FHA limit is $1,249,125. Anything above $1,209,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Bergen County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $1,209,750 | $1,249,125 | 0% |
| 2 units | $1,548,975 | $1,599,375 | 0% |
| 3 units | $1,872,225 | $1,933,200 | 0% |
| 4 units | $2,326,875 | $2,402,625 | 0% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Bergen County is in metro area CBSA 35620; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $139,100 · Bergen-Passaic, NJ HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $75,900 | $86,750 | $97,600 | $108,400 | $117,100 | $125,750 | $134,450 | $143,100 |
| Very low income (50%) | $48,700 | $55,650 | $62,600 | $69,550 | $75,150 | $80,700 | $86,250 | $91,850 |
| Extremely low income (30%) | $29,250 | $33,400 | $37,600 | $41,750 | $45,100 | $48,450 | $51,800 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,772/mo | $1,778 | -0.3% |
| 1 bedroom | $1,987/mo | $2,024 | -1.8% |
| 2 bedrooms | $2,282/mo | $2,324 | -1.8% |
| 3 bedrooms | $2,771/mo | $2,835 | -2.3% |
| 4 bedrooms | $3,497/mo | $3,618 | -3.3% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Bergen-Passaic, NJ HUD Metro FMR Area.
Same metro area
Counties in CBSA 35620 share the same loan limits.
Other counties in New Jersey
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Bergen County, NJ for 2026?
$1,209,750 for a one-unit property ($1,548,975 for 2 units, $1,872,225 for 3, $2,326,875 for 4), set by the FHFA; it was $1,209,750 in 2025.
What is the FHA loan limit in Bergen County?
$1,249,125 for a single-family home in 2026 (HUD), up to $2,402,625 for a four-unit property.
What counts as a jumbo loan in Bergen County?
A mortgage above $1,209,750 for a single-family home is a jumbo (non-conforming) loan in Bergen County in 2026.
What are the HUD income limits in Bergen County?
For a family of four (FY2026): low income $108,400, very low income $69,550, extremely low income $41,750; area median family income $139,100.
What is the fair market rent in Bergen County?
$2,282 a month for a two-bedroom unit in FY2027 (HUD), $1,987 for one bedroom.