Loan Limits / New Jersey / Burlington County
2026 Loan Limits · New Jersey · PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD
Burlington County, NJ.
2026 conforming and FHA loan limits, calibrated to a median sales price of $548,000.
Median Sales Price
$548,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$630,200
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $630,200 |
| 2-unit (duplex) | $806,750 |
| 3-unit (triplex) | $975,200 |
| 4-unit (fourplex) | $1,211,950 |
About this county
About Burlington County
Burlington County is a county in the U.S. state of New Jersey. The county is the largest by land area in New Jersey and ranks second behind neighboring Ocean County in total area. Its county seat is Mount Holly. As of the 2020 census, the county was the state's 11th-most-populous county, with a population of 461,860, its highest decennial count ever and an increase of 13,126 (+2.9%) from the 448,734 recorded at the 2010 census, which in turn had reflected an increase of 25,340 (6.0%) from the 423,394 enumerated at the 2000 census. The United States Census Bureau's Population Estimates Program estimated a 2025 population of 481,439, an increase of 19,579 (+4.2%) from the 2020 decennial census. The most populous place in the county was Evesham Township with 46,826 residents as of the 2020 census. Washington Township covered 102.71 square miles (266.0 km2), the largest area of any municipality in the county. The county is part of the South Jersey region of the state. Read more on Wikipedia →
Population
464,226
U.S. Census ACS 2023
Median Household Income
$105,271
U.S. Census ACS 2023
Median Home Value (Census)
$326,700
Owner-occupied · ACS 2023
Owner-Occupancy Rate
76%
Of occupied housing
What these limits mean for buyers in Burlington County
The 2026 conforming 1-unit limit for Burlington County is $832,750. 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. Burlington County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $630,200. The HUD CHUMS table pegs the median sales price for Burlington County at $548,000. Burlington 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 Burlington County ($548,000) 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
Burlington County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 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 Burlington County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.