FHA Loan Limits and USDA Eligibility in Essex County, New Jersey
2026 FHA one-unit limit in Essex 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 $153,550. 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
Essex 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 |
|---|---|---|
| 07003 | $1,249,125 | $153,550 |
| 07004 | $1,249,125 | $153,550 |
| 07006 | $1,249,125 | $153,550 |
| 07009 | $1,249,125 | $153,550 to $155,850 |
| 07016 | $1,249,125 | $153,550 |
| 07017 | $1,249,125 | $153,550 |
| 07018 | $1,249,125 | $153,550 |
| 07021 | $1,249,125 | $153,550 |
| 07028 | $1,249,125 | $153,550 |
| 07039 | $1,249,125 | $153,550 |
| 07040 | $1,249,125 | $153,550 |
| 07041 | $1,249,125 | $153,550 |
| 07042 | $1,249,125 | $153,550 |
| 07043 | $1,249,125 | $153,550 to $155,850 |
| 07044 | $1,249,125 | $153,550 |
| 07050 | $1,249,125 | $153,550 |
| 07052 | $1,249,125 | $153,550 |
| 07068 | $1,249,125 | $153,550 |
| 07078 | $1,249,125 | $153,550 |
| 07079 | $1,249,125 | $153,550 |
| 07083 | $1,249,125 | $153,550 |
| 07102 | $1,249,125 | $153,550 |
| 07103 | $1,249,125 | $153,550 |
| 07104 | $1,249,125 | $153,550 |
| 07105 | $1,249,125 | $153,550 |
| 07106 | $1,249,125 | $153,550 |
| 07107 | $1,249,125 | $153,550 |
| 07108 | $1,249,125 | $153,550 |
| 07109 | $1,249,125 | $153,550 |
| 07110 | $1,249,125 | $153,550 to $155,850 |
| 07111 | $1,249,125 | $153,550 |
| 07112 | $1,249,125 | $153,550 |
| 07114 | $1,249,125 | $153,550 |
| 08753 | $1,249,125 | $156,050 |
| 08807 | $1,249,125 | $166,600 |
| 08816 | $1,249,125 | $166,600 |