Loan Limits / New Jersey / Bergen County
2026 Loan Limits · New Jersey · NEW YORK-NEWARK-JERSEY CITY, NY-NJ
Bergen County, NJ.
2026 conforming and FHA loan limits, calibrated to a median sales price of $996,000. This county is designated high-cost — conforming limits exceed the national baseline.
Median Sales Price
$996,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$1,209,750
High-cost
FHA 1u Limit
$1,249,125
Ceiling
Jumbo Threshold
> $1,209,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
High-cost| 1-unit (single-family) | $1,209,750 |
| 2-unit (duplex) | $1,548,975 |
| 3-unit (triplex) | $1,872,225 |
| 4-unit (fourplex) | $2,326,875 |
FHA Forward (203b)
Ceiling| 1-unit (single-family) | $1,249,125 |
| 2-unit (duplex) | $1,599,375 |
| 3-unit (triplex) | $1,933,200 |
| 4-unit (fourplex) | $2,402,625 |
About this county
About Bergen County
Bergen County is the most populous county in the U.S. state of New Jersey. Located in the northeastern corner of New Jersey, Bergen County and its many inner suburbs constitute a highly developed part of the New York City metropolitan area, bordering the Hudson River; the George Washington Bridge, which crosses the Hudson, connects Bergen County with Manhattan. The county is part of the North Jersey region of the state. Read more on Wikipedia →
Population
954,717
U.S. Census ACS 2023
Median Household Income
$123,715
U.S. Census ACS 2023
Median Home Value (Census)
$593,200
Owner-occupied · ACS 2023
Owner-Occupancy Rate
65%
Of occupied housing
What these limits mean for buyers in Bergen County
The 2026 conforming 1-unit limit for Bergen County is $1,209,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Because Bergen County is designated a high-cost area, the limit exceeds the national baseline of $832,750.
For FHA financing, the 2026 1-unit limit is $1,249,125. The HUD CHUMS table pegs the median sales price for Bergen County at $996,000. Bergen County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Bergen County ($996,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Bergen County 2-, 3-, and 4-unit conforming limits are $1,548,975, $1,872,225, and $2,326,875 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Bergen County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.