Every year HUD sets FHA loan limits county by county. For 2026, New Jersey's one-unit limits run from the national floor of $541,287 to the high-cost ceiling of $1,249,125. Where your county falls decides how much house and renovation an FHA 203k can cover.
Here's every county. Below the table is the rule that trips up more 203k buyers than anything else.
2026 FHA loan limits: every New Jersey county
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Atlantic | $730,250 | $934,850 | $1,130,000 | $1,404,350 |
| Bergen | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Burlington | $630,200 | $806,750 | $975,200 | $1,211,950 |
| Camden | $630,200 | $806,750 | $975,200 | $1,211,950 |
| Cape May | $730,250 | $934,850 | $1,130,000 | $1,404,350 |
| Cumberland | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Essex | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Gloucester | $630,200 | $806,750 | $975,200 | $1,211,950 |
| Hudson | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Hunterdon | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Mercer | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Middlesex | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Monmouth | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Morris | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Ocean | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Passaic | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Salem | $630,200 | $806,750 | $975,200 | $1,211,950 |
| Somerset | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Sussex | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Union | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Warren | $541,287 | $693,050 | $837,700 | $1,041,125 |
Limits apply to FHA case numbers assigned on or after January 1, 2026.
How the state breaks into four tiers
- North and Central Jersey (New York metro), plus Ocean County: $1,249,125. The FHA ceiling.
- Atlantic and Cape May (the shore): $730,250.
- Camden, Burlington, Gloucester and Salem (the Philadelphia metro): $630,200. This is where most of our South Jersey renovation files sit, from Cherry Hill and Haddonfield to Mount Laurel, Deptford and Pennsville.
- Cumberland, Mercer and Warren: $541,287, the national floor.
The rule buyers get wrong: the limit applies to the total
The FHA limit caps the total loan amount, not the purchase price. On a 203k, the loan includes the purchase, the renovation, the contingency reserve and allowable fees.
Say you're buying a $480,000 house in Camden County with $140,000 of work. The house is well under $630,200, but the loan, before your down payment, is heading toward $620,000 or more. You're right up against the limit.
So the useful question is "how much house plus renovation fits in my county?" In Cumberland County, at the floor, that number gets tight fast on a big renovation.
When the FHA limit is too low: HomeStyle
If the purchase plus renovation pushes past your county's FHA limit, Fannie Mae's HomeStyle renovation loan is usually the answer. Its 2026 conforming limit is $832,750 for one unit in most New Jersey counties, and up to $1,249,125 in high-cost North Jersey counties. HomeStyle is now the majority of the renovation loans we close, and for many South Jersey buyers it's simply the better fit.
The short version
- New Jersey's 2026 FHA limits run from $541,287 to $1,249,125 for one unit.
- Camden, Burlington, Gloucester and Salem are $630,200. Atlantic and Cape May are $730,250. Cumberland, Mercer and Warren are $541,287.
- The limit caps the total loan, purchase plus renovation, not the purchase price.
- If you're over the FHA limit, HomeStyle's $832,750 conforming limit usually solves it.
Find out what fits in your county
Tell us the town, the price range and the scope. We'll show you the room under your county's limit on FHA and on HomeStyle.
Get a Free Consultation → 856-446-8484