2026 loan limits in New Jersey
12 of New Jersey’s 21 counties are high-cost areas with conforming limits above the $832,750 baseline. The rest use the national limits.
One-unit limits by county
| County | Conforming | FHA |
|---|---|---|
| Atlantic County | $832,750 | $730,250 |
| Bergen County | $1,209,750 | $1,249,125 |
| Burlington County | $832,750 | $630,200 |
| Camden County | $832,750 | $630,200 |
| Cape May County | $832,750 | $730,250 |
| Cumberland County | $832,750 | $541,287 |
| Essex County | $1,209,750 | $1,249,125 |
| Gloucester County | $832,750 | $630,200 |
| Hudson County | $1,209,750 | $1,249,125 |
| Hunterdon County | $1,209,750 | $1,249,125 |
| Mercer County | $832,750 | $541,287 |
| Middlesex County | $1,209,750 | $1,249,125 |
| Monmouth County | $1,209,750 | $1,249,125 |
| Morris County | $1,209,750 | $1,249,125 |
| Ocean County | $1,209,750 | $1,249,125 |
| Passaic County | $1,209,750 | $1,249,125 |
| Salem County | $832,750 | $630,200 |
| Somerset County | $1,209,750 | $1,249,125 |
| Sussex County | $1,209,750 | $1,249,125 |
| Union County | $1,209,750 | $1,249,125 |
| Warren County | $832,750 | $541,287 |
More for New Jersey
Limits for 2026 from HUD’s county files; conforming limits are set by the Federal Housing Finance Agency.