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2026 New Jersey loan limits by county
New Jersey has 21 counties in the 2026 FHFA list. The highest one-unit conforming limit is $1,209,750 in Union County; the state median is $1,209,750. 12 of 21 are above the $832,750 national baseline. 3 sit at the 2026 FHA floor of $541,287.
- 21Counties listed
- $1,209,750Highest 1-unit conformingUnion County
- $1,209,750Median 1-unit conforming
- 3At FHA floorof 21
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Atlantic County | $832,750 | +$26,250 (+3.3%) | $730,250 | $1,601,750 |
| Bergen County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Burlington County | $832,750 | +$26,250 (+3.3%) | $630,200 | $1,601,750 |
| Camden County | $832,750 | +$26,250 (+3.3%) | $630,200 | $1,601,750 |
| Cape May County | $832,750 | +$26,250 (+3.3%) | $730,250 | $1,601,750 |
| Cumberland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Essex County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Gloucester County | $832,750 | +$26,250 (+3.3%) | $630,200 | $1,601,750 |
| Hudson County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Hunterdon County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Mercer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Middlesex County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Monmouth County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Morris County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Ocean County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Passaic County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Salem County | $832,750 | +$26,250 (+3.3%) | $630,200 | $1,601,750 |
| Somerset County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Sussex County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Union County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Warren County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.