New Jersey loan limits 2026
12 of 21 counties in New Jersey are high-cost areas with a conforming limit above the $832,750 baseline — the highest is $1,209,750 in 12 counties, including Hudson County, Hunterdon County, Middlesex County. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
All counties
| Bergen County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,282 |
| Essex County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,233 |
| Hudson County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,792 |
| Hunterdon County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,623 |
| Middlesex County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,623 |
| Monmouth County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,283 |
| Morris County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,233 |
| Ocean County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,283 |
| Passaic County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,282 |
| Somerset County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,623 |
| Sussex County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,233 |
| Union County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,233 |
| Atlantic County | $832,750 | +3.3% | $730,250 | $635,000 | $1,899 |
| Burlington County | $832,750 | +3.3% | $630,200 | $548,000 | $1,860 |
| Camden County | $832,750 | +3.3% | $630,200 | $548,000 | $1,860 |
| Cape May County | $832,750 | +3.3% | $730,250 | $635,000 | $1,857 |
| Cumberland County | $832,750 | +3.3% | $541,287 | $235,000 | $1,704 |
| Gloucester County | $832,750 | +3.3% | $630,200 | $548,000 | $1,860 |
| Mercer County | $832,750 | +3.3% | $541,287 | $391,000 | $2,242 |
| Salem County | $832,750 | +3.3% | $630,200 | $548,000 | $1,860 |
| Warren County | $832,750 | +3.3% | $541,287 | $395,000 | $2,021 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 New Jersey for 2026?
$832,750 in most counties; 12 high-cost counties have higher limits, up to $1,209,750 in Bergen County.
What is the FHA loan limit in New Jersey?
From $541,287 to $1,249,125 for a single-family home in 2026, depending on the county.