New Jersey Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 21 counties in New Jersey. FHA limits in this state range from $541,287 to $786,337, while conforming limits range from $832,750 to $1,209,750.
2026 Loan Limits by County in New Jersey
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Atlantic County | $541,287 | $832,750 | $295,000 |
| 2 | Bergen County | $786,337 | $1,209,750 | $623,000 |
| 3 | Burlington County | $541,287 | $832,750 | $354,000 |
| 4 | Camden County | $541,287 | $832,750 | $287,100 |
| 5 | Cape May County | $541,287 | $832,750 | $434,600 |
| 6 | Cumberland County | $541,287 | $832,750 | $221,400 |
| 7 | Essex County | $786,337 | $1,209,750 | $524,100 |
| 8 | Gloucester County | $541,287 | $832,750 | $310,400 |
| 9 | Hudson County | $786,337 | $1,209,750 | $539,700 |
| 10 | Hunterdon County | $786,337 | $1,209,750 | $517,200 |
| 11 | Mercer County | $541,287 | $832,750 | $377,700 |
| 12 | Middlesex County | $786,337 | $1,209,750 | $462,900 |
| 13 | Monmouth County | $786,337 | $1,209,750 | $606,100 |
| 14 | Morris County | $786,337 | $1,209,750 | $582,500 |
| 15 | Ocean County | $786,337 | $1,209,750 | $398,400 |
| 16 | Passaic County | $786,337 | $1,209,750 | $459,500 |
| 17 | Salem County | $541,287 | $832,750 | $239,500 |
| 18 | Somerset County | $786,337 | $1,209,750 | $552,100 |
| 19 | Sussex County | $786,337 | $1,209,750 | $369,400 |
| 20 | Union County | $786,337 | $1,209,750 | $529,200 |
| 21 | Warren County | $541,287 | $832,750 | $346,500 |
About New Jersey's Mortgage Market
New Jersey has 21 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in New Jersey range from $541,287 to $786,337 for a single-family home. Conforming limits range from $832,750 to $1,209,750.
Use our mortgage calculator to compute monthly payments using New Jersey-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in New Jersey?
The highest 2026 FHA limit in New Jersey is $786,337 for a single-family home.
What is the maximum conforming loan limit in New Jersey?
The highest 2026 conforming loan limit in New Jersey is $1,209,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in New Jersey?
New Jersey has 21 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.