FHA loan limits and USDA eligibility for ZIP 08540 — Princeton, NJ

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks unlikely here, so FHA is listed first.

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2026 FHA loan limits

Mercer County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Middlesex County

1-unit

$1,249,125

2-unit

$1,599,375

3-unit

$1,933,200

4-unit

$2,402,625

Somerset County

1-unit

$1,249,125

2-unit

$1,599,375

3-unit

$1,933,200

4-unit

$2,402,625

This ZIP lists more than one county cap. The property address picks the county on the loan.

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USDA property eligibility

Likely not eligible

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Mercer County

1–4 person household income limit

$153,550

5–8 person household income limit

$202,700

  • Mercer County (Primary): $153,550 / $202,700
  • Somerset County: $166,600 / $219,950
  • Middlesex County: $166,600 / $219,950

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FAQ for ZIP 08540

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