Stewardship Capital
The conforming and FHA loan limits for all 21 counties in New Jersey, effective for 2026. Conforming limits come from the Federal Housing Finance Agency, FHA limits from HUD.
Baseline conforming
$832,750
One unit, most counties
Highest in New Jersey
$1,209,750
Bergen County
FHA range
$541,287 – $1,249,125
One unit, by county
12 of New Jersey's 21 counties are designated high-cost, which means the conforming limit there is above the national baseline. The highest in the state is Bergen County at $1,209,750 for a one-unit home.
| County | Conforming | FHA |
|---|---|---|
| Atlantic County | $832,750 | $730,250 |
| Bergen County | $1,209,750 | $1,249,125 |
| Burlington County | $832,750 | $630,200 |
| Camden County | $832,750 | $630,200 |
| Cape May County | $832,750 | $730,250 |
| Cumberland County | $832,750 | $541,287 |
| Essex County | $1,209,750 | $1,249,125 |
| Gloucester County | $832,750 | $630,200 |
| Hudson County | $1,209,750 | $1,249,125 |
| Hunterdon County | $1,209,750 | $1,249,125 |
| Mercer County | $832,750 | $541,287 |
| Middlesex County | $1,209,750 | $1,249,125 |
| Monmouth County | $1,209,750 | $1,249,125 |
| Morris County | $1,209,750 | $1,249,125 |
| Ocean County | $1,209,750 | $1,249,125 |
| Passaic County | $1,209,750 | $1,249,125 |
| Salem County | $832,750 | $630,200 |
| Somerset County | $1,209,750 | $1,249,125 |
| Sussex County | $1,209,750 | $1,249,125 |
| Union County | $1,209,750 | $1,249,125 |
| Warren County | $832,750 | $541,287 |
Not sure which limit applies to your purchase? Stewardship Capital works with buyers and homeowners in New Jersey. Talk it through with Stephen.
The baseline conforming loan limit in New Jersey for 2026 is $832,750 for a one-unit home. In New Jersey's 12 high-cost counties it is higher, up to $1,209,750 in Bergen County.
FHA loan limits in New Jersey range from $541,287 to $1,249,125 for a one-unit home, depending on the county. The national FHA floor is $541,287 and the ceiling is $1,249,125.
A high balance loan is a conforming loan in a county whose limit is above the national baseline of $832,750. It still follows Fannie Mae and Freddie Mac guidelines, so it is not a jumbo loan, though it usually prices a little differently.
A loan above the county's conforming limit is a jumbo loan. Jumbo loans are held by individual investors rather than bought by Fannie Mae or Freddie Mac, so the qualifying guidelines are set by each investor and tend to be stricter on credit, reserves and down payment.
Yes, and they are higher. Every county has four limits, one for each size of property from one unit up to four units. The figures on this page are the one-unit limits, which is what most buyers need.
About these numbers. Conforming limits are published each year by the Federal Housing Finance Agency and apply to loans bought by Fannie Mae and Freddie Mac. FHA limits are published by the U.S. Department of Housing and Urban Development. Both are effective for 2026. Limits are set by county and by the number of units, and they are not a quote, a commitment to lend or an offer of credit. Stephen Chakerian, NMLS #2193331 | Stewardship Capital, a team of Barrett Financial Group, L.L.C., NMLS #181106 | Equal Housing Opportunity.
