New Jersey Loan Limits

2021 Loan Limits

2021 Loan limits in New Jersey by county. Click on the map or table below to view loan limits for a particular county.

New Jersey Map

Minimum Loan Limit
Maximum Loan Limit

New Jersey has 21 counties, with conforming loan limits for a single-family home ranging from $548,250 in Atlantic County to $822,375 in Ocean 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)

High-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Bergen County $960,000 $822,375
Essex County $960,000 $822,375
Hudson County $960,000 $822,375
Hunterdon County $960,000 $822,375
Middlesex County $960,000 $822,375
Monmouth County $960,000 $822,375
Morris County $960,000 $822,375
Ocean County $960,000 $822,375
Passaic County $960,000 $822,375
Somerset County $960,000 $822,375
Sussex County $960,000 $822,375
Union County $960,000 $822,375

Low-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Atlantic County $275,000 $548,250
Burlington County $375,000 $548,250
Camden County $375,000 $548,250
Cape May County $375,000 $548,250
Cumberland County $176,000 $548,250
Gloucester County $375,000 $548,250
Mercer County $300,000 $548,250
Salem County $375,000 $548,250
Warren County $324,000 $548,250

Citation

Link to this Page:

Questions or Comments? Contact us

Data Source

HUD Seal

FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).

Last updated on January 2, 2021