New Jersey conforming loan limits 2026
New Jersey has 21 counties. 12 of them sit on a figure above the $832,750 baseline, spread over 1 distinct figure; the highest in the state is $1,209,750.
12 of its 21 counties qualify for a high-cost figure above the $832,750 baseline. For 2026, the figure moved in 9 of its 21 counties and 12 stayed the same.
New Jersey ranks 41st of 56 jurisdictions by county count, and 14th by highest limit. Of its counties, 21 sit inside a metropolitan or micropolitan area — that is all of them, across 6 such areas. Counties here share a statistical area with counties on a higher figure in New York.
Figures used in New Jersey
- $1,209,750 — 12 counties in New Jersey (27 counties in all)
All counties in New Jersey
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Atlantic County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bergen County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Burlington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Camden County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cape May County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cumberland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Essex County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Gloucester County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hudson County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Hunterdon County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Mercer County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Middlesex County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Monmouth County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Morris County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Ocean County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Passaic County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Salem County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Somerset County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Sussex County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Union County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Warren County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of New Jersey use the baseline conforming loan limit?
No. 12 of 21 counties are above the $832,750 baseline, and the state's highest limit is $1,209,750.
What counts as a jumbo loan in New Jersey?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.