Highest FHA limit in New Jersey
$1,249,125
In 2026, FHA one-unit limits in New Jersey range from $541,287 to $1,249,125 (Bergen County). 3 of 21 counties use the national floor.
3 of 21counties at the $541,287 floor
All New Jersey counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Bergen County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Essex County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Hudson County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Hunterdon County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Middlesex County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Monmouth County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Morris County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Ocean County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Passaic County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Somerset County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Sussex County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Union County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Atlantic County | $730,250 | $934,850 | $1,404,350 | $832,750 |
| Cape May County | $730,250 | $934,850 | $1,404,350 | $832,750 |
| Burlington County | $630,200 | $806,750 | $1,211,950 | $832,750 |
| Camden County | $630,200 | $806,750 | $1,211,950 | $832,750 |
| Gloucester County | $630,200 | $806,750 | $1,211,950 | $832,750 |
| Salem County | $630,200 | $806,750 | $1,211,950 | $832,750 |
| Cumberland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mercer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Warren County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in New Jersey for 2026?
In 2026, FHA one-unit limits in New Jersey range from $541,287 to $1,249,125 (Bergen County). 3 of 21 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.
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