FHA Loan Limits and USDA Eligibility in Bergen County, New Jersey
2026 FHA one-unit limit in Bergen County is $1,249,125. Two-unit is $1,599,375, three-unit is $1,933,200, and four-unit is $2,402,625. USDA 502 Guaranteed 1–4 person moderate income is $155,850. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for New Jersey
New Jersey one-unit limits: —
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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
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EligibleIneligibleUSDA ineligible boundary
Bergen County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 07010 | $1,249,125 | $155,850 |
| 07020 | $1,249,125 | $155,850 |
| 07022 | $1,249,125 | $155,850 |
| 07024 | $1,249,125 | $155,850 |
| 07026 | $1,249,125 | $155,850 |
| 07031 | $1,249,125 | $155,850 |
| 07032 | $1,249,125 | $169,500 |
| 07057 | $1,249,125 | $155,850 |
| 07070 | $1,249,125 | $155,850 |
| 07071 | $1,249,125 | $155,850 |
| 07072 | $1,249,125 | $155,850 |
| 07073 | $1,249,125 | $155,850 |
| 07074 | $1,249,125 | $155,850 |
| 07075 | $1,249,125 | $155,850 |
| 07401 | $1,249,125 | $155,850 |
| 07407 | $1,249,125 | $155,850 |
| 07410 | $1,249,125 | $155,850 |
| 07417 | $1,249,125 | $155,850 |
| 07423 | $1,249,125 | $155,850 |
| 07430 | $1,249,125 | $155,850 |
| 07432 | $1,249,125 | $155,850 |
| 07436 | $1,249,125 | $155,850 |
| 07446 | $1,249,125 | $155,850 |
| 07450 | $1,249,125 | $155,850 |
| 07452 | $1,249,125 | $155,850 |
| 07458 | $1,249,125 | $155,850 |
| 07463 | $1,249,125 | $155,850 |
| 07481 | $1,249,125 | $155,850 |
| 07601 | $1,249,125 | $155,850 |
| 07603 | $1,249,125 | $155,850 |
| 07604 | $1,249,125 | $155,850 |
| 07605 | $1,249,125 | $155,850 |
| 07606 | $1,249,125 | $155,850 |
| 07607 | $1,249,125 | $155,850 |
| 07620 | $1,249,125 | $155,850 |
| 07621 | $1,249,125 | $155,850 |
| 07624 | $1,249,125 | $155,850 |
| 07626 | $1,249,125 | $155,850 |
| 07627 | $1,249,125 | $155,850 |
| 07628 | $1,249,125 | $155,850 |
| 07630 | $1,249,125 | $155,850 |
| 07631 | $1,249,125 | $155,850 |
| 07632 | $1,249,125 | $155,850 |
| 07640 | $1,249,125 | $155,850 |
| 07641 | $1,249,125 | $155,850 |
| 07642 | $1,249,125 | $155,850 |
| 07643 | $1,249,125 | $155,850 |
| 07644 | $1,249,125 | $155,850 |
| 07645 | $1,249,125 | $155,850 |
| 07646 | $1,249,125 | $155,850 |
| 07647 | $1,249,125 | $155,850 |
| 07648 | $1,249,125 | $155,850 |
| 07649 | $1,249,125 | $155,850 |
| 07650 | $1,249,125 | $155,850 |
| 07652 | $1,249,125 | $155,850 |
| 07656 | $1,249,125 | $155,850 |
| 07657 | $1,249,125 | $155,850 |
| 07660 | $1,249,125 | $155,850 |
| 07661 | $1,249,125 | $155,850 |
| 07662 | $1,249,125 | $155,850 |
| 07663 | $1,249,125 | $155,850 |
| 07666 | $1,249,125 | $155,850 |
| 07670 | $1,249,125 | $155,850 |
| 07675 | $1,249,125 | $155,850 |
| 07676 | $1,249,125 | $155,850 |
| 07677 | $1,249,125 | $155,850 |