Loan Limits / New Jersey / Sussex County
2026 Loan Limits · New Jersey · NEW YORK-NEWARK-JERSEY CITY, NY-NJ
Sussex 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 Sussex County
Sussex County is the northernmost county in the U.S. state of New Jersey. Its county seat is Newton. It is part of the New York metropolitan area and is part of New Jersey's Skylands Region. As of the 2020 census, the county was the state's 17th-most-populous county, with a population of 144,221, a decrease of 5,044 (−3.4%) from the 2010 census count of 149,265, which in turn reflected an increase of 5,099 (+3.5%) over the 144,166 persons at the 2000 census. The United States Census Bureau's Population Estimates Program estimated a 2025 population of 148,063, an increase of 3,842 (+2.7%) from the 2020 decennial census. Based on 2020 census data, Vernon Township was the county's largest in both population and area, with a population of 22,358 and covering an area of 70.59 square miles (182.8 km2). The county is part of the North Jersey region of the state. Read more on Wikipedia →
Population
145,117
U.S. Census ACS 2023
Median Household Income
$114,316
U.S. Census ACS 2023
Median Home Value (Census)
$342,800
Owner-occupied · ACS 2023
Owner-Occupancy Rate
85%
Of occupied housing
What these limits mean for buyers in Sussex County
The 2026 conforming 1-unit limit for Sussex 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 Sussex 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 Sussex County at $996,000. Sussex 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 Sussex 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
Sussex 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 Sussex County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.