2026 limits · 21 counties
New Jersey 2026 loan limits for duplexes, triplexes and fourplexes
In New Jersey, the 2026 FHA limit for a fourplex runs from $1,041,125 to $2,402,625. 3 of 21 counties sit at the national floor; the highest is 12 counties. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $2,326,875 in 12 high-cost counties.
Every county in New Jersey
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Atlantic County high-cost Atlantic City-Hammonton, NJ | $934,850 | $1,130,000 | $1,404,350 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bergen County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Burlington County high-cost Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | $806,750 | $975,200 | $1,211,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Camden County high-cost Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | $806,750 | $975,200 | $1,211,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cape May County high-cost Atlantic City-Hammonton, NJ | $934,850 | $1,130,000 | $1,404,350 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cumberland County Vineland, NJ | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Essex County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Gloucester County high-cost Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | $806,750 | $975,200 | $1,211,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hudson County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Hunterdon County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Mercer County Trenton-Princeton, NJ | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Middlesex County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Monmouth County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Morris County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Ocean County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Passaic County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Salem County high-cost Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | $806,750 | $975,200 | $1,211,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Somerset County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Sussex County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Union County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Warren County Allentown-Bethlehem-Easton, PA-NJ | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 3 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| Bergen County | $1,657,383 | $2,003,316 | $2,489,766 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in New Jersey
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 to $1,209,750 in New Jersey. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.