2026 conforming loan limits
2026 conforming loan limits in New Jersey
New Jersey has 21 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for New Jersey is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $1,209,750.
Baseline
9
Special statutory baseline
0
High-cost area
12
Every county/equivalent in New Jersey
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Atlantic County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bergen County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Burlington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Camden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cape May County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Essex County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Gloucester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hudson County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Hunterdon County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Mercer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Middlesex County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Monmouth County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Morris County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Ocean County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Passaic County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Salem County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Somerset County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Sussex County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Union County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to New Jersey (NJ).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for New Jersey: 21. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.