Cumberland County, New Jersey has a 2026 one-unit conforming loan limit of $832,750, which is 3.8 times the county's median home value of $221,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $67,436 (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) | $221,400 |
| New Jersey median home value | $454,400 |
| Limit ÷ median home value | 3.76× |
| Median household income | $67,436 |
| Median home value ÷ income | 3.3× |
| Population | 153,305 |
| Median property tax paid (owners) | $5,052 |
| Effective property tax rate (approx.) | 2.28% |
| Owner-occupied homes | 66.5% |
| Home value rank in New Jersey | 21 of 21 counties |
| Neighbor: Kent County, DE | limit $832,750; median home $316,600 |
| Neighbor: Atlantic County, NJ | limit $832,750; median home $295,000 |
| Neighbor: Cape May County, NJ | limit $832,750; median home $434,600 |
| Neighbor: Gloucester County, NJ | limit $832,750; median home $310,400 |
| Neighbor: Salem County, NJ | limit $832,750; median home $239,500 |
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. Cumberland County's median home value is 51% below the state median of $454,400 (rank 21 of 21). Among its 5 neighboring counties, Cape May County has the highest median home value ($434,600) and Salem County the lowest ($239,500); all share the same loan limit. Owners pay a median $5,052 a year in property tax, an effective rate of about 2.28% 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.
Related
- 2026 conforming loan limit: Cumberland County, KY
- 2026 conforming loan limit: Cumberland County, ME
- 2026 conforming loan limit: Cumberland County, NC
- 2026 conforming loan limit: Cumberland County, PA
- 2026 conforming loan limit: Cumberland County, TN
- 2026 conforming loan limit: Cumberland County, VA
- 2026 conforming loan limit: Cuming County, NE
- 2026 conforming loan limit: Currituck County, NC
Last updated 2026-10-16. Data only, not financial or tax advice.