State · 2026 limits
New Jersey conforming loan limits 2026
Up to $1,209,750
highest one-unit conforming limit in New Jersey, 2026 (12 counties, including Bergen County and Essex County)
Limits by county from FHFA. Informational only, not lending advice.
Counties above the baseline
One-unit limit, 2026. 12 of 21 counties are above the $832,750 baseline. The table below lists every county.
Source: FHFA 2026 county loan limit file.
Every New Jersey county
No rows match.
| Bergen County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
|---|---|---|---|---|---|
| Essex County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Hudson County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Hunterdon County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Middlesex County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Monmouth County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Morris County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Ocean County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Passaic County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Somerset County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Sussex County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Union County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | ±$0 |
| Atlantic County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Burlington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Camden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Cape May County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Gloucester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Mercer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Salem County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
FHA limits in New Jersey
HUD sets FHA limits for each county between $541,287 and $1,249,125 for one unit in 2026. HUD's lookup has the exact county figures.
Questions
What is the 2026 conforming loan limit in New Jersey?
It depends on the county: from $832,750 to $1,209,750 for a one-unit home. 12 of 21 counties are above the baseline.
Which New Jersey counties have the highest loan limits?
12 counties share the top limit of $1,209,750: Bergen County, Essex County, Hudson County, Hunterdon County, Middlesex County, Monmouth County, Morris County, Ocean County, Passaic County, Somerset County, Sussex County, Union County.
What is the FHA loan limit in New Jersey for 2026?
HUD sets FHA limits county by county, between $541,287 and $1,249,125 for one unit. HUD's FHA Mortgage Limits lookup has each county's exact figure.
Is a loan above the New Jersey limit a jumbo loan?
Yes. A loan above the conforming limit for its county and unit count is a jumbo loan, which Fannie Mae and Freddie Mac cannot buy.
Sources
- U.S. Federal Housing Finance Agency, Conforming Loan Limit Values, 2026 full county loan limit list (HERA-based, final, flat file; 3,235 county rows; downloaded November 1, 2026)
- FHFA, 2025 full county loan limit list (3,234 county rows), used for year-over-year change
- FHFA, Conforming Loan Limit Values FAQs (updated November 2025)
- U.S. Department of Housing and Urban Development, HUD's Federal Housing Administration Announces 2026 Loan Limits (December 11, 2025) and Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Limits
- HUD, FHA Mortgage Limits lookup (exact FHA limit by county and metro area)
Figures as published by the agencies. See sources and method.