Ocean County, New Jersey loan limits 2026
FIPS 34029 · 32 ZIP codes, e.g. 08005, 08006, 08008, 08050, 08087, 08092 · metro area (CBSA) 35620
In Ocean 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 Ocean 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. Ocean County is in metro area CBSA 35620; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $140,600 · Monmouth-Ocean, NJ HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $76,000 | $86,850 | $97,700 | $108,550 | $117,250 | $125,950 | $134,650 | $143,300 |
| Very low income (50%) | $49,250 | $56,250 | $63,300 | $70,300 | $75,950 | $81,550 | $87,200 | $92,800 |
| Extremely low income (30%) | $29,550 | $33,800 | $38,000 | $42,200 | $45,600 | $49,000 | $52,350 | $55,750 |
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 | $1,671/mo | $1,676 | -0.3% |
| 1 bedroom | $1,847/mo | $1,889 | -2.2% |
| 2 bedrooms | $2,283/mo | $2,328 | -1.9% |
| 3 bedrooms | $2,927/mo | $3,043 | -3.8% |
| 4 bedrooms | $3,241/mo | $3,371 | -3.9% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Monmouth-Ocean, 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 Ocean 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 Ocean 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 Ocean County?
A mortgage above $1,209,750 for a single-family home is a jumbo (non-conforming) loan in Ocean County in 2026.
What are the HUD income limits in Ocean County?
For a family of four (FY2026): low income $108,550, very low income $70,300, extremely low income $42,200; area median family income $140,600.
What is the fair market rent in Ocean County?
$2,283 a month for a two-bedroom unit in FY2027 (HUD), $1,847 for one bedroom.