FHA Loan Limits and USDA Eligibility in Somerset County, New Jersey
2026 FHA one-unit limit in Somerset 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 $166,600. 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
Somerset 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 |
|---|---|---|
| 07059 | $1,249,125 | $166,600 |
| 07060 | $1,249,125 | $153,550 to $166,600 |
| 07062 | $1,249,125 | $153,550 to $166,600 |
| 07063 | $1,249,125 | $153,550 to $166,600 |
| 07069 | $1,249,125 | $166,600 |
| 07920 | $1,249,125 | $153,550 to $166,600 |
| 07921 | $1,249,125 | $166,600 |
| 07924 | $1,249,125 | $166,600 |
| 07931 | $1,249,125 | $153,550 to $166,600 |
| 07934 | $1,249,125 | $153,550 to $166,600 |
| 07939 | $1,249,125 | $166,600 |
| 07977 | $1,249,125 | $166,600 |
| 07979 | $1,249,125 | $166,600 |
| 08502 | $1,249,125 | $166,600 |
| 08528 | $1,249,125 | $166,600 |
| 08536 | $1,249,125 | $166,600 |
| 08540 | $1,249,125 | $153,550 to $166,600 |
| 08553 | $1,249,125 | $166,600 |
| 08558 | $1,249,125 | $153,550 to $166,600 |
| 08805 | $1,249,125 | $166,600 |
| 08807 | $1,249,125 | $166,600 |
| 08812 | $1,249,125 | $153,550 to $166,600 |
| 08821 | $1,249,125 | $166,600 |
| 08823 | $1,249,125 | $166,600 |
| 08824 | $1,249,125 | $166,600 |
| 08835 | $1,249,125 | $166,600 |
| 08836 | $1,249,125 | $166,600 |
| 08844 | $1,249,125 | $166,600 |
| 08853 | $1,249,125 | $166,600 |
| 08869 | $1,249,125 | $166,600 |
| 08873 | $1,249,125 | $166,600 |
| 08876 | $1,249,125 | $166,600 |
| 08880 | $1,249,125 | $166,600 |
| 08890 | $1,249,125 | $166,600 |