TPO Kit
2026 conforming loan limits in New Jersey.
12 of New Jersey's 21 counties are high-cost areas with a higher limit, as high as $1,209,750 in 12 counties. The rest use the $832,750 baseline.
| County | 1 unit | 2 units | 3 units | 4 units | 1 unit, since 2025 | 1 unit, since 2022 |
|---|---|---|---|---|---|---|
| Atlantic County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Bergen CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Burlington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Camden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Cape May County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Essex CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Gloucester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Hudson CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Hunterdon CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Mercer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Middlesex CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Monmouth CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Morris CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Ocean CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Passaic CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Salem County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
| Somerset CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Sussex CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Union CountyHigh-cost | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | +$0 (0.0%) | +$238,950 (24.6%) |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (3.3%) | +$185,550 (28.7%) |
Source: FHFA, Conforming Loan Limit Values, 2026. For loans acquired by Fannie Mae and Freddie Mac in 2026. Changes use FHFA's county files for 2022 to 2026; counties whose codes changed show "—". FHA limits are set separately by HUD: for 2026, $541,287 to $1,249,125 for one unit in most areas. HUD loan limit lookup.
Updated September 28, 2026 · FHFA's next updates are expected in late November 2026.