What Is the FHA Loan Limit in New Jersey?

One-unit FHA limits in New Jersey range from $541,287 to $1,249,125. Limits are set by county, not ZIP. Enter a ZIP or use the FHA map to see 1–4 unit caps.

Are USDA Loans Available in New Jersey?

About 39% of ZIP codes in New Jersey have their geographic center in a USDA-eligible area. USDA scores the street address, not the county. Use the property eligibility map or a ZIP page to check a specific place.

What Is the USDA Income Limit in New Jersey?

In New Jersey, the 1–4 person household limit ranges from $126,050 to $169,500. The 5–8 person limit ranges from $166,400 to $223,750. Limits follow USDA area definitions, which can split a county. Enter a ZIP for the exact cap.

Does a County Decide USDA Property Eligibility?

No. USDA eligibility is the property address. This county list is FHA one-unit caps and USDA 1–4 person income figures that appear in the county. Income can split a county. Neither column marks a county as USDA eligible or ineligible.

FHA Loan Limits and USDA Eligibility in New Jersey

2026 FHA one-unit limits in New Jersey range from $541,287 to $1,249,125. About 39% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $126,050 to $169,500. Enter a ZIP on the maps. County FHA caps are listed below.

2026 FHA Loan Limits Map for New Jersey

New Jersey one-unit limits: —

Loading FHA loan limits map…

Loading New Jersey…

Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

USDA Property Eligibility and Income Limits Map for New Jersey

Loading USDA map…

Loading New Jersey…

EligibleIneligibleUSDA ineligible boundary

New Jersey FHA and USDA Figures by County

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.

County	FHA one-unit loan limit	USDA 1–4 person moderate income
Atlantic County	$730,250	$126,050
Bergen County	$1,249,125	$155,850
Burlington County	$630,200	$141,100
Camden County	$630,200	$141,100
Cape May County	$730,250	$138,800
Cumberland County	$541,287	$126,050
Essex County	$1,249,125	$153,550
Gloucester County	$630,200	$141,100
Hudson County	$1,249,125	$169,500
Hunterdon County	$1,249,125	$166,600
Mercer County	$541,287	$153,550
Middlesex County	$1,249,125	$166,600
Monmouth County	$1,249,125	$156,050
Morris County	$1,249,125	$153,550
Ocean County	$1,249,125	$156,050
Passaic County	$1,249,125	$155,850
Salem County	$630,200	$141,100
Somerset County	$1,249,125	$166,600
Sussex County	$1,249,125	$153,550
Union County	$1,249,125	$153,550
Warren County	$541,287	$147,050

FAQ for New Jersey

Learn More

FHA loan limits map USDA property eligibility map USDA income limits map FHA loan program USDA loan program