Essex County, New Jersey has a 2026 one-unit conforming loan limit of $1,209,750, which is 2.3 times the county's median home value of $524,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $80,789 (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) | $1,209,750 |
| 2-unit limit | $1,548,975 |
| 3-unit limit | $1,872,225 |
| 4-unit limit | $2,326,875 |
| Median home value (ACS 2020–24) | $524,100 |
| New Jersey median home value | $454,400 |
| Limit ÷ median home value | 2.31× |
| Median household income | $80,789 |
| Median home value ÷ income | 6.5× |
| Population | 863,002 |
| Median property tax paid (owners) | $10,001 |
| Effective property tax rate (approx.) | 1.91% |
| Owner-occupied homes | 44.9% |
| Home value rank in New Jersey | 7 of 21 counties |
| Neighbor: Bergen County, NJ | limit $1,209,750; median home $623,000 |
| Neighbor: Hudson County, NJ | limit $1,209,750; median home $539,700 |
| Neighbor: Morris County, NJ | limit $1,209,750; median home $582,500 |
| Neighbor: Passaic County, NJ | limit $1,209,750; median home $459,500 |
| Neighbor: Union County, NJ | limit $1,209,750; median home $529,200 |
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. Essex County's median home value is 15% above the state median of $454,400 (rank 7 of 21). Among its 5 neighboring counties, Bergen County has the highest median home value ($623,000) and Passaic County the lowest ($459,500); all share the same loan limit. Owners pay a median $10,001 a year in property tax, an effective rate of about 1.91% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.