To qualify for a USDA guaranteed home loan in Hunterdon County, New Jersey, household income must be at or below $166,600 for 1–4 people or $219,950 for 5–8 people (FY2026).
$77,400Very low income, 1–4 people
Limits by household size
| Program | 1–4 people | 5–8 people |
|---|---|---|
| Guaranteed (moderate) | $166,600 | $219,950 |
| Direct: low income | $115,900 | $153,000 |
| Direct: very low | $77,400 | $102,200 |
For 9+ people, add 8% of the 4-person limit per extra person.
Am I under the limit?
A quick check of gross income against the guaranteed limit. Lenders subtract allowed deductions (e.g. $480 per child, childcare, elderly household) to get adjusted income.
Related
- USDA limits across New Jerseyevery county
- FHA limit, Hunterdon County$1,249,125
- Hunterdon County property tax1.93%
- USDA property eligibility mapcheck an address
Source: USDA Rural Development, Single Family Housing Guaranteed Loan Program income limits, FY2026 (PN 657, effective Jul 13, 2026). Limits apply to adjusted household income (all adult members). The property must also be in a USDA-eligible rural area. Check the address on the USDA eligibility site. Not lending advice.
Major Cities & Counties in New Jersey
Largest by population (Census ACS 2020–2024). Property tax for each:
- Newark pop. 310,178
- Jersey City pop. 294,078
- Paterson pop. 158,735
- Elizabeth pop. 137,302
- Toms River pop. 94,956
- Trenton pop. 90,338
- Clifton pop. 89,379
- Bayonne pop. 71,553
- Camden pop. 71,496
- East Orange pop. 70,090
- Bergen County pop. 962,316
- Middlesex County pop. 871,290
- Essex County pop. 863,002
- Hudson County pop. 718,323
- Ocean County pop. 654,362
- Monmouth County pop. 645,353
- Union County pop. 579,290
- Camden County pop. 527,257
- Passaic County pop. 521,012
- Morris County pop. 514,528
Frequently asked questions
What is the USDA income limit in Hunterdon County?
To qualify for a USDA guaranteed home loan in Hunterdon County, New Jersey, household income must be at or below $166,600 for 1–4 people or $219,950 for 5–8 people (FY2026).
Does a USDA loan require a down payment?
No. USDA guaranteed loans finance up to 100% of the appraised value, with a 1% upfront fee and a 0.35% annual fee.
Does USDA count everyone's income?
Yes. Eligibility uses the income of all adult household members, even if they aren't on the loan, after allowed deductions.
Is all of Hunterdon County eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.