Checked
2026 New Jersey Loan Limits
Conforming (FHFA) and FHA mortgage limits by county
- Counties
- 21
- High-cost counties
- 12
- Conforming limit above the baseline
- Highest conforming limit
- $1,209,750
- Bergen County
- U.S. baseline
- $832,750
- One-unit conforming
Loan limits by county
One-unit and two-unit limits, 2026
Swipe the table sideways to see more columns.
| County | Conforming, 1 unit | Conforming, 2 units | FHA, 1 unit | FHA, 2 units |
|---|---|---|---|---|
| Atlantic County | $832,750 | $1,066,250 | Not reported | Not reported |
| Bergen County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Burlington County | $832,750 | $1,066,250 | Not reported | Not reported |
| Camden County | $832,750 | $1,066,250 | Not reported | Not reported |
| Cape May County | $832,750 | $1,066,250 | Not reported | Not reported |
| Cumberland County | $832,750 | $1,066,250 | Not reported | Not reported |
| Essex County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Gloucester County | $832,750 | $1,066,250 | Not reported | Not reported |
| Hudson County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Hunterdon County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Mercer County | $832,750 | $1,066,250 | Not reported | Not reported |
| Middlesex County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Monmouth County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Morris County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Ocean County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Passaic County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Salem County | $832,750 | $1,066,250 | Not reported | Not reported |
| Somerset County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Sussex County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Union County | $1,209,750 | $1,548,975 | Not reported | Not reported |
| Warren County | $832,750 | $1,066,250 | Not reported | Not reported |
Frequently asked questions
- What is the conforming loan limit in New Jersey?
- In 2026, 9 of 21 counties in New Jersey use the baseline limit of $832,750 for a one-unit home. 12 high-cost counties have higher limits, up to $1,209,750 in Bergen County.
Source: Federal Housing Finance Agency; U.S. Department of Housing and Urban Development · 2026 limits