Loan Limits / New Jersey
2026 Loan Limits · NJ
New Jersey loan limits.
All 21 counties in New Jersey with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
21 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Atlantic | $635,000 | $832,750 | Standard | $730,250 | High-cost |
| Bergen | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Burlington | $548,000 | $832,750 | Standard | $630,200 | High-cost |
| Camden | $548,000 | $832,750 | Standard | $630,200 | High-cost |
| Cape May | $635,000 | $832,750 | Standard | $730,250 | High-cost |
| Cumberland | $235,000 | $832,750 | Standard | $541,287 | Standard |
| Essex | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Gloucester | $548,000 | $832,750 | Standard | $630,200 | High-cost |
| Hudson | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Hunterdon | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Mercer | $391,000 | $832,750 | Standard | $541,287 | Standard |
| Middlesex | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Monmouth | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Morris | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Ocean | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Passaic | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Salem | $548,000 | $832,750 | Standard | $630,200 | High-cost |
| Somerset | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Sussex | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Union | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Warren | $395,000 | $832,750 | Standard | $541,287 | Standard |
New Jersey at a glance
21 counties indexed. 18 are designated high-cost by HUD or FHFA. The highest GSE 1-unit limit in New Jersey is $1,209,750 in Bergen County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in New Jersey.