Most common limit (1–4 people)
$153,550
FY2026 USDA guaranteed loan income limits in New Jersey range from $126,050 to $169,500 for a 1–4 person household, depending on the county.
$169,500highest county limit
All New Jersey counties
| County | 1–4 people | 5–8 people |
|---|---|---|
| Atlantic County | $126,050 | $166,400 |
| Bergen County | $155,850 | $205,750 |
| Burlington County | $141,100 | $186,300 |
| Camden County | $141,100 | $186,300 |
| Cape May County | $138,800 | $183,250 |
| Cumberland County | $126,050 | $166,400 |
| Essex County | $153,550 | $202,700 |
| Gloucester County | $141,100 | $186,300 |
| Hudson County | $169,500 | $223,750 |
| Hunterdon County | $166,600 | $219,950 |
| Mercer County | $153,550 | $202,700 |
| Middlesex County | $166,600 | $219,950 |
| Monmouth County | $156,050 | $206,000 |
| Morris County | $153,550 | $202,700 |
| Ocean County | $156,050 | $206,000 |
| Passaic County | $155,850 | $205,750 |
| Salem County | $141,100 | $186,300 |
| Somerset County | $166,600 | $219,950 |
| Sussex County | $153,550 | $202,700 |
| Union County | $153,550 | $202,700 |
| Warren County | $147,050 | $194,150 |
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.
Frequently asked questions
What is the USDA income limit in New Jersey?
FY2026 USDA guaranteed loan income limits in New Jersey range from $126,050 to $169,500 for a 1–4 person household, depending on the county.