Cape May County, New Jersey has a 2026 one-unit conforming loan limit of $832,750, which is 1.9 times the county's median home value of $434,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $91,128 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $434,600 |
| New Jersey median home value | $454,400 |
| Limit ÷ median home value | 1.92× |
| Median household income | $91,128 |
| Median home value ÷ income | 4.8× |
| Population | 94,941 |
| Median property tax paid (owners) | $5,306 |
| Effective property tax rate (approx.) | 1.22% |
| Owner-occupied homes | 80.3% |
| Home value rank in New Jersey | 11 of 21 counties |
| Neighbor: Kent County, DE | limit $832,750; median home $316,600 |
| Neighbor: Sussex County, DE | limit $832,750; median home $382,600 |
| Neighbor: Atlantic County, NJ | limit $832,750; median home $295,000 |
| Neighbor: Cumberland County, NJ | limit $832,750; median home $221,400 |
Across New Jersey's 21 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 12 high-cost counties. Cape May County's median home value is 4% below the state median of $454,400 (rank 11 of 21). Among its 4 neighboring counties, Sussex County has the highest median home value ($382,600) and Cumberland County the lowest ($221,400); all share the same loan limit. Owners pay a median $5,306 a year in property tax, an effective rate of about 1.22% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
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Last updated 2026-10-16. Data only, not financial or tax advice.