FHA Loan Limits and USDA Eligibility in Ocean County, New Jersey
2026 FHA one-unit limit in Ocean 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: —
Loading FHA loan limits map…
Loading New Jersey…
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
Loading USDA map…
Loading New Jersey…
EligibleIneligibleUSDA ineligible boundary
Ocean 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 |
| 07728 | $1,249,125 | $156,050 |
| 07731 | $1,249,125 | $156,050 |
| 08005 | $1,249,125 | $156,050 |
| 08006 | $1,249,125 | $156,050 |
| 08008 | $1,249,125 | $156,050 |
| 08050 | $1,249,125 | $156,050 |
| 08087 | $1,249,125 | $141,100 to $156,050 |
| 08092 | $1,249,125 | $156,050 |
| 08224 | $1,249,125 | $141,100 |
| 08514 | $1,249,125 | $156,050 |
| 08527 | $1,249,125 | $156,050 |
| 08533 | $1,249,125 | $156,050 |
| 08701 | $1,249,125 | $156,050 |
| 08721 | $1,249,125 | $156,050 |
| 08722 | $1,249,125 | $156,050 |
| 08723 | $1,249,125 | $156,050 |
| 08724 | $1,249,125 | $156,050 |
| 08731 | $1,249,125 | $156,050 |
| 08732 | $1,249,125 | $156,050 |
| 08733 | $1,249,125 | $156,050 |
| 08734 | $1,249,125 | $156,050 |
| 08735 | $1,249,125 | $156,050 |
| 08738 | $1,249,125 | $156,050 |
| 08740 | $1,249,125 | $156,050 |
| 08741 | $1,249,125 | $156,050 |
| 08742 | $1,249,125 | $156,050 |
| 08751 | $1,249,125 | $156,050 |
| 08752 | $1,249,125 | $156,050 |
| 08753 | $1,249,125 | $156,050 |
| 08755 | $1,249,125 | $156,050 |
| 08757 | $1,249,125 | $156,050 |
| 08758 | $1,249,125 | $156,050 |
| 08759 | $1,249,125 | $141,100 to $156,050 |