2026 Conforming Loan Limits in New Jersey

Name: 2026 Conforming Loan Limits in New Jersey
Creator: Federal Housing Finance Agency

New Jersey has 21 counties with conforming loan limits, including 12 high-cost areas. Limits range from $832,750 to $1,209,750.

County	1-Unit Limit	2-Unit Limit	3-Unit Limit	4-Unit Limit
MONMOUTH COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
MORRIS COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
OCEAN COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
PASSAIC COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
BERGEN COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
SOMERSET COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
SUSSEX COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
UNION COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
HUDSON COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
HUNTERDON COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
ESSEX COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
MIDDLESEX COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
WARREN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BURLINGTON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CAMDEN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CAPE MAY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CUMBERLAND COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
GLOUCESTER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MERCER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SALEM COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ATLANTIC COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750

Source: Federal Housing Finance Agency (FHFA). Sorted by 1-unit limit descending. High-cost areas highlighted.

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Loan limits are set by the FHFA and may change annually. This page is for educational purposes only. Consult a licensed mortgage professional for guidance. Wirly is not a lender or mortgage broker.