2023 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 $726,200 in Atlantic County to $1,089,300 in Bergen County.
New Jersey has 9 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 0 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 | $1,010,000 | $1,089,300 |
| Essex County | $1,010,000 | $1,089,300 |
| Hudson County | $1,010,000 | $1,089,300 |
| Hunterdon County | $1,010,000 | $1,089,300 |
| Middlesex County | $1,010,000 | $1,089,300 |
| Monmouth County | $1,010,000 | $1,089,300 |
| Morris County | $1,010,000 | $1,089,300 |
| Ocean County | $1,010,000 | $1,089,300 |
| Passaic County | $1,010,000 | $1,089,300 |
| Somerset County | $1,010,000 | $1,089,300 |
| Sussex County | $1,010,000 | $1,089,300 |
| Union County | $1,010,000 | $1,089,300 |
| County | Median Home Price | Conforming Loan Limit for Single-Family Home |
|---|---|---|
| Atlantic County | $294,000 | $726,200 |
| Burlington County | $460,000 | $726,200 |
| Camden County | $460,000 | $726,200 |
| Cape May County | $477,000 | $726,200 |
| Cumberland County | $182,000 | $726,200 |
| Gloucester County | $460,000 | $726,200 |
| Mercer County | $308,000 | $726,200 |
| Salem County | $460,000 | $726,200 |
| Warren County | $324,000 | $726,200 |
More on New Jersey
Want to learn more about New Jersey? See Fair Market Rents in New Jersey to view 40th percentile FMRs or click here to find a Public Housing Authority in New Jersey who can help with finding affordable housing near you.
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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 2, 2023