FHA Loan Limits
FHA loan limits by county · New Jersey
21 counties (HUD forward mortgage limits).
CY2026 Showing the 2026 HUD dataset, effective 2026-01-01. Figures change only when HUD publishes a new file.
Atlantic County
View →ATLANTIC CITY-HAMMONTON,…$730,250
Bergen County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Burlington County
View →PHILADELPHIA-CAMDEN-WILM…$630,200
Camden County
View →PHILADELPHIA-CAMDEN-WILM…$630,200
Cape May County
View →ATLANTIC CITY-HAMMONTON,…$730,250
Cumberland County
View →VINELAND, NJ$541,287
Essex County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Gloucester County
View →PHILADELPHIA-CAMDEN-WILM…$630,200
Hudson County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Hunterdon County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Mercer County
View →TRENTON-PRINCETON, NJ$541,287
Middlesex County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Monmouth County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Morris County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Ocean County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Passaic County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Salem County
View →PHILADELPHIA-CAMDEN-WILM…$630,200
Somerset County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Sussex County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Union County
View →NEW YORK-NEWARK-JERSEY C…$1,249,125
Warren County
View →ALLENTOWN-BETHLEHEM-EAST…$541,287
| County | Metro Area | One-unit limit | Action |
|---|---|---|---|
| Atlantic County | ATLANTIC CITY-HAMMONTON, NJ | $730,250 | Calculate → |
| Bergen County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Burlington County | PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD | $630,200 | Calculate → |
| Camden County | PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD | $630,200 | Calculate → |
| Cape May County | ATLANTIC CITY-HAMMONTON, NJ | $730,250 | Calculate → |
| Cumberland County | VINELAND, NJ | $541,287 | Calculate → |
| Essex County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Gloucester County | PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD | $630,200 | Calculate → |
| Hudson County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Hunterdon County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Mercer County | TRENTON-PRINCETON, NJ | $541,287 | Calculate → |
| Middlesex County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Monmouth County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Morris County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Ocean County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Passaic County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Salem County | PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD | $630,200 | Calculate → |
| Somerset County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Sussex County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Union County | NEW YORK-NEWARK-JERSEY CITY, NY-NJ | $1,249,125 | Calculate → |
| Warren County | ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | $541,287 | Calculate → |
Government sources
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)