FHA Loan Limits and USDA Eligibility in Morris County, New Jersey
2026 FHA one-unit limit in Morris 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
Morris 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 |
|---|---|---|
| 07005 | $1,249,125 | $153,550 |
| 07034 | $1,249,125 | $153,550 |
| 07035 | $1,249,125 | $153,550 |
| 07045 | $1,249,125 | $153,550 |
| 07046 | $1,249,125 | $153,550 |
| 07054 | $1,249,125 | $153,550 |
| 07058 | $1,249,125 | $153,550 |
| 07082 | $1,249,125 | $153,550 |
| 07405 | $1,249,125 | $153,550 |
| 07438 | $1,249,125 | $153,550 to $155,850 |
| 07440 | $1,249,125 | $153,550 |
| 07444 | $1,249,125 | $153,550 |
| 07457 | $1,249,125 | $153,550 |
| 07460 | $1,249,125 | $153,550 to $155,850 |
| 07801 | $1,249,125 | $153,550 |
| 07803 | $1,249,125 | $153,550 |
| 07821 | $1,249,125 | $147,050 to $153,550 |
| 07828 | $1,249,125 | $153,550 |
| 07830 | $1,249,125 | $153,550 to $166,600 |
| 07834 | $1,249,125 | $153,550 |
| 07836 | $1,249,125 | $153,550 |
| 07840 | $1,249,125 | $147,050 to $153,550 |
| 07842 | $1,249,125 | $153,550 |
| 07843 | $1,249,125 | $153,550 |
| 07847 | $1,249,125 | $153,550 |
| 07849 | $1,249,125 | $153,550 |
| 07850 | $1,249,125 | $153,550 |
| 07852 | $1,249,125 | $153,550 |
| 07853 | $1,249,125 | $153,550 |
| 07856 | $1,249,125 | $153,550 |
| 07857 | $1,249,125 | $153,550 |
| 07860 | $1,249,125 | $147,050 to $153,550 |
| 07865 | $1,249,125 | $147,050 to $166,600 |
| 07866 | $1,249,125 | $153,550 |
| 07869 | $1,249,125 | $153,550 |
| 07870 | $1,249,125 | $153,550 |
| 07876 | $1,249,125 | $153,550 |
| 07878 | $1,249,125 | $153,550 |
| 07885 | $1,249,125 | $153,550 |
| 07926 | $1,249,125 | $153,550 |
| 07927 | $1,249,125 | $153,550 |
| 07928 | $1,249,125 | $153,550 |
| 07930 | $1,249,125 | $153,550 |
| 07931 | $1,249,125 | $153,550 to $166,600 |
| 07932 | $1,249,125 | $153,550 |
| 07933 | $1,249,125 | $153,550 |
| 07935 | $1,249,125 | $153,550 |
| 07936 | $1,249,125 | $153,550 |
| 07940 | $1,249,125 | $153,550 |
| 07945 | $1,249,125 | $153,550 |
| 07946 | $1,249,125 | $153,550 |
| 07950 | $1,249,125 | $153,550 |
| 07960 | $1,249,125 | $153,550 |
| 07961 | $1,249,125 | $153,550 |
| 07970 | $1,249,125 | $153,550 |
| 07976 | $1,249,125 | $153,550 |
| 07980 | $1,249,125 | $153,550 |
| 07981 | $1,249,125 | $153,550 |
| 08054 | $1,249,125 | $141,100 |