New Jersey Loan Limits & Housing Market
2026 conforming and FHA loan limits for all 21 New Jersey counties, plus monthly housing market data and affordability analysis.
NJ
Conforming Limit (1-Unit)
$832,750
2026 baseline
Counties
21
With loan limit data
Data Coverage
Monthly
Updated with latest data
New Jersey Counties
| County | FIPS Code | Conforming Limit (1-Unit) | |
|---|---|---|---|
| Atlantic County | 34001 | $832,750 | |
| Bergen County | 34003 | $1,209,750 | |
| Burlington County | 34005 | $832,750 | |
| Camden County | 34007 | $832,750 | |
| Cape May County | 34009 | $832,750 | |
| Cumberland County | 34011 | $832,750 | |
| Essex County | 34013 | $1,209,750 | |
| Gloucester County | 34015 | $832,750 | |
| Hudson County | 34017 | $1,209,750 | |
| Hunterdon County | 34019 | $1,209,750 | |
| Mercer County | 34021 | $832,750 | |
| Middlesex County | 34023 | $1,209,750 | |
| Monmouth County | 34025 | $1,209,750 | |
| Morris County | 34027 | $1,209,750 | |
| Ocean County | 34029 | $1,209,750 | |
| Passaic County | 34031 | $1,209,750 | |
| Salem County | 34033 | $832,750 | |
| Somerset County | 34035 | $1,209,750 | |
| Sussex County | 34037 | $1,209,750 | |
| Union County | 34039 | $1,209,750 | |
| Warren County | 34041 | $832,750 |
Mortgage Calculator
Estimate your monthly payment for a home in New Jersey.
%
%
Estimated Monthly Payment
$2,935
Principal & Interest$2,335
Property Tax$450
Insurance$150
Loan Amount$360,000
Total Interest$480,582
Income Required$125,784/yr
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