New Jersey · FIPS 34017
2026 loan limits in Hudson County, New Jersey
The 2026 conforming loan limit for a one-unit home in Hudson County is $1,209,750, which is a high-cost limit above the baseline. The 2026 FHA limit is $1,249,125 (a high-cost FHA area).
- $1,209,750Conforming, 1 unit (2026)no change vs 2025
- $1,249,125FHA, 1 unit (2026)+$39,375 (+3.3%) vs 2025
- $1,209,750VA, partial entitlement basisFull entitlement: no limit
- 1 of 21Rank in New Jerseyby one-unit conforming limit
| Property | Conforming 2026 | Conforming 2025 | Change | FHA 2026 | FHA 2025 |
|---|---|---|---|---|---|
| 1 unit | $1,209,750 | $1,209,750 | no change | $1,249,125 | $1,209,750 |
| 2 units | $1,548,975 | $1,548,975 | no change | $1,599,375 | $1,548,975 |
| 3 units | $1,872,225 | $1,872,225 | no change | $1,933,200 | $1,872,225 |
| 4 units | $2,326,875 | $2,326,875 | no change | $2,402,625 | $2,326,875 |
How Hudson County compares
- New Jersey median one-unit conforming limit: $1,209,750 across 21 counties. This county is equal to the state median.
- National baseline for 2026: $832,750; high-cost ceiling: $1,249,125. This county is $377,000 above the baseline.
- HUD area: New York-Newark-Jersey City, NY-NJ (CBSA 35620). Median sale price HUD used to set the 2026 FHA limit: $996,000.
Other counties in the same metro area
Counties in one metro area share one conforming limit.
- Bergen County, NJ
- Essex County, NJ
- Hunterdon County, NJ
- Middlesex County, NJ
- Monmouth County, NJ
- Morris County, NJ
- Ocean County, NJ
- Passaic County, NJ
- Somerset County, NJ
- Sussex County, NJ
- Union County, NJ
- Bronx County, NY
- Kings County, NY
- Nassau County, NY
- New York County, NY
- Putnam County, NY
- Queens County, NY
- Richmond County, NY
- Rockland County, NY
- Suffolk County, NY
- Westchester County, NY
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.
- HUD CY2025 FHA limits file, dated March 6, 2025.
- U.S. Department of Veterans Affairs, VA Circular 26-25-10, December 1, 2025; VA home loan limits.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed average for the week of October 29, 2026: 7.24%.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.