FHA Loan Limits and USDA Eligibility in Monmouth County, New Jersey
2026 FHA one-unit limit in Monmouth 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 $156,050. 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
Monmouth 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 |
|---|---|---|
| 07701 | $1,249,125 | $156,050 |
| 07702 | $1,249,125 | $156,050 |
| 07703 | $1,249,125 | $156,050 |
| 07704 | $1,249,125 | $156,050 |
| 07711 | $1,249,125 | $156,050 |
| 07712 | $1,249,125 | $156,050 |
| 07716 | $1,249,125 | $156,050 |
| 07717 | $1,249,125 | $156,050 |
| 07718 | $1,249,125 | $156,050 |
| 07719 | $1,249,125 | $156,050 |
| 07720 | $1,249,125 | $156,050 |
| 07721 | $1,249,125 | $156,050 to $166,600 |
| 07722 | $1,249,125 | $156,050 |
| 07723 | $1,249,125 | $156,050 |
| 07724 | $1,249,125 | $156,050 |
| 07726 | $1,249,125 | $156,050 to $166,600 |
| 07727 | $1,249,125 | $156,050 |
| 07728 | $1,249,125 | $156,050 |
| 07730 | $1,249,125 | $156,050 |
| 07731 | $1,249,125 | $156,050 |
| 07732 | $1,249,125 | $156,050 |
| 07733 | $1,249,125 | $156,050 |
| 07734 | $1,249,125 | $156,050 |
| 07735 | $1,249,125 | $156,050 to $166,600 |
| 07737 | $1,249,125 | $156,050 |
| 07738 | $1,249,125 | $156,050 |
| 07739 | $1,249,125 | $156,050 |
| 07740 | $1,249,125 | $156,050 |
| 07746 | $1,249,125 | $156,050 |
| 07747 | $1,249,125 | $156,050 to $166,600 |
| 07748 | $1,249,125 | $156,050 |
| 07750 | $1,249,125 | $156,050 |
| 07751 | $1,249,125 | $156,050 |
| 07753 | $1,249,125 | $156,050 |
| 07755 | $1,249,125 | $156,050 |
| 07756 | $1,249,125 | $156,050 |
| 07757 | $1,249,125 | $156,050 |
| 07758 | $1,249,125 | $156,050 |
| 07760 | $1,249,125 | $156,050 |
| 07762 | $1,249,125 | $156,050 |
| 07764 | $1,249,125 | $156,050 |
| 07830 | $1,249,125 | $153,550 to $166,600 |
| 08053 | $1,249,125 | $141,100 |
| 08501 | $1,249,125 | $141,100 to $156,050 |
| 08510 | $1,249,125 | $156,050 |
| 08514 | $1,249,125 | $156,050 |
| 08527 | $1,249,125 | $156,050 |
| 08535 | $1,249,125 | $156,050 |
| 08555 | $1,249,125 | $156,050 |
| 08562 | $1,249,125 | $141,100 |
| 08691 | $1,249,125 | $153,550 to $156,050 |
| 08720 | $1,249,125 | $156,050 |
| 08724 | $1,249,125 | $156,050 |
| 08730 | $1,249,125 | $156,050 |
| 08736 | $1,249,125 | $156,050 |
| 08750 | $1,249,125 | $156,050 |
| 08759 | $1,249,125 | $141,100 to $156,050 |
| 08817 | $1,249,125 | $166,600 |
| 08859 | $1,249,125 | $166,600 |
| 08872 | $1,249,125 | $166,600 |
| 08879 | $1,249,125 | $166,600 |