FHA Loan Limits and USDA Eligibility in Mercer County, New Jersey
2026 FHA one-unit limit in Mercer County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. 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
Mercer 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 |
|---|---|---|
| 07735 | $541,287 | $156,050 to $166,600 |
| 08501 | $541,287 | $141,100 to $156,050 |
| 08512 | $541,287 | $153,550 to $166,600 |
| 08520 | $541,287 | $153,550 |
| 08525 | $541,287 | $153,550 to $166,600 |
| 08534 | $541,287 | $153,550 |
| 08540 | $541,287 | $153,550 to $166,600 |
| 08542 | $541,287 | $153,550 |
| 08550 | $541,287 | $153,550 |
| 08560 | $541,287 | $153,550 to $166,600 |
| 08561 | $541,287 | $153,550 |
| 08608 | $541,287 | $153,550 |
| 08609 | $541,287 | $153,550 |
| 08610 | $541,287 | $141,100 to $153,550 |
| 08611 | $541,287 | $153,550 |
| 08618 | $541,287 | $153,550 |
| 08619 | $541,287 | $153,550 |
| 08620 | $541,287 | $141,100 to $153,550 |
| 08628 | $541,287 | $153,550 |
| 08629 | $541,287 | $153,550 |
| 08638 | $541,287 | $153,550 |
| 08648 | $541,287 | $153,550 |
| 08650 | $541,287 | $153,550 |
| 08690 | $541,287 | $153,550 |
| 08691 | $541,287 | $153,550 to $156,050 |
| 08823 | $541,287 | $166,600 |
| 08824 | $541,287 | $166,600 |