Loan Limits / New Jersey / Gloucester County
2026 Loan Limits · New Jersey · PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD
Gloucester 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 Gloucester County
Gloucester County is a county in the U.S. state of New Jersey. As of the 2020 census, the county was the state's 14th-most populous county with a population of 302,294, its highest decennial count ever and an increase of 14,006 (+4.9%) from the 288,288 counted in the 2010 census, which in turn represented an increase of 33,615 (+13.2%) from the 2000 census population of 254,673. The United States Census Bureau's Population Estimates Program estimated a 2025 population of 312,638, an increase of 10,344 (+3.4%) from the 2020 decennial census. Its county seat is Woodbury. The county is part of the South Jersey region of the state. Read more on Wikipedia →
Population
304,504
U.S. Census ACS 2023
Median Household Income
$102,807
U.S. Census ACS 2023
Median Home Value (Census)
$283,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
79%
Of occupied housing
What these limits mean for buyers in Gloucester County
The 2026 conforming 1-unit limit for Gloucester 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. Gloucester 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 Gloucester County at $548,000. Gloucester 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 Gloucester 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
Gloucester 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 Gloucester County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.