2025 Loan limits in New Jersey by county. Click on the map below to view loan limits for a particular county.
New Jersey Map
New Jersey has 21 counties, with conforming loan limits for a single-family home ranging from $806,500 in Atlantic County to $1,209,750 in Bergen County.
New Jersey has 0 counties with standard or low-cost loan limits equal to the national baseline; 12 counties with high-cost loan limits equal to the national ceiling; and 9 counties with mid-range loan limits that are between the baseline and ceiling.
View the loan limits overview for information on how loan limits are set for each county. Click on the a specific county from the table below for detailed loan limit information.
Counties in New Jersey (21)
| County | Median Home Price | Conforming Loan Limit for Single-Family Home |
|---|---|---|
| Bergen County | $1,138,000 | $1,209,750 |
| Essex County | $1,138,000 | $1,209,750 |
| Hudson County | $1,138,000 | $1,209,750 |
| Hunterdon County | $1,138,000 | $1,209,750 |
| Middlesex County | $1,138,000 | $1,209,750 |
| Monmouth County | $1,138,000 | $1,209,750 |
| Morris County | $1,138,000 | $1,209,750 |
| Ocean County | $1,138,000 | $1,209,750 |
| Passaic County | $1,138,000 | $1,209,750 |
| Somerset County | $1,138,000 | $1,209,750 |
| Sussex County | $1,138,000 | $1,209,750 |
| Union County | $1,138,000 | $1,209,750 |
| County | Median Home Price | Conforming Loan Limit for Single-Family Home |
|---|---|---|
| Atlantic County | $342,000 | $806,500 |
| Burlington County | $517,000 | $806,500 |
| Camden County | $517,000 | $806,500 |
| Cape May County | $580,000 | $806,500 |
| Cumberland County | $219,000 | $806,500 |
| Gloucester County | $517,000 | $806,500 |
| Mercer County | $365,000 | $806,500 |
| Salem County | $517,000 | $806,500 |
| Warren County | $350,000 | $806,500 |
More on New Jersey
- Fair Market Rents to view 40th percentile FMRs in New Jersey
- Property Taxes to find Property Taxes in New Jersey
- Income Limits to learn more about income assistance in New Jersey
- Housing Authorites to find Housing Authorities in New Jersey
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Data Source
FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).
Last updated on January 5, 2025