New Jersey · 2026
New Jersey 2026 FHA and conforming loan limits
For a one-unit home in New Jersey, the 2026 conforming limit is $832,750 to $1,209,750 and the FHA limit is $541,287 to $1,249,125. FHA limits rose in 21 of 21 counties from 2025.
| County | Conforming 1 unit | Conforming 2 units | FHA 1 unit | FHA 2 units | FHA 3 units | FHA 4 units | FHA vs 2025 |
|---|---|---|---|---|---|---|---|
| Atlantic County | $832,750 | $1,066,250 | $730,250 | $934,850 | $1,130,000 | $1,404,350 | +$206,025 |
| Bergen County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Burlington County | $832,750 | $1,066,250 | $630,200 | $806,750 | $975,200 | $1,211,950 | +$35,650 |
| Camden County | $832,750 | $1,066,250 | $630,200 | $806,750 | $975,200 | $1,211,950 | +$35,650 |
| Cape May County | $832,750 | $1,066,250 | $730,250 | $934,850 | $1,130,000 | $1,404,350 | +$63,250 |
| Cumberland County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Essex County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Gloucester County | $832,750 | $1,066,250 | $630,200 | $806,750 | $975,200 | $1,211,950 | +$35,650 |
| Hudson County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Hunterdon County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Mercer County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Middlesex County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Monmouth County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Morris County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Ocean County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Passaic County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Salem County | $832,750 | $1,066,250 | $630,200 | $806,750 | $975,200 | $1,211,950 | +$35,650 |
| Somerset County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Sussex County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Union County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Warren County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
Conforming limits: FHFA (2026). FHA forward-mortgage limits: HUD (2026 case numbers). Each county page adds 2025 mortgage activity.
Counts: 21 counties and county-equivalents.