New Jersey counties and towns we cover
Choose a county to see its towns, transit lines, official website and 2026 loan limits. Every town page has guides for agents, home values, movers, rentals and mortgages.
Counties
- Bergen County
Fort Lee, Edgewater, Hackensack, Paramus, Englewood, Teaneck, Ridgewood, Cliffside Park, Palisades Park, Leonia, Ridgefield, Tenafly, Cresskill, Closter, Englewood Cliffs, Fair Lawn, Glen Rock
- Hudson County
Hoboken, Jersey City, Weehawken, Union City, Bayonne, West New York, North Bergen, Secaucus, Harrison
- Essex County
Montclair, Nutley, Livingston, Millburn, Maplewood
- Passaic County
Wayne, Clifton
- Union County
Summit, Westfield
- Morris County
Morristown
- Middlesex County
Edison
- Mercer County
Princeton
All New Jersey towns
- Hoboken
- Jersey City
- Fort Lee
- Edgewater
- Weehawken
- Union City
- Hackensack
- Paramus
- Englewood
- Teaneck
- Ridgewood
- Montclair
- Bayonne
- West New York
- North Bergen
- Secaucus
- Cliffside Park
- Palisades Park
- Leonia
- Ridgefield
- Tenafly
- Cresskill
- Closter
- Englewood Cliffs
- Fair Lawn
- Glen Rock
- Wayne
- Clifton
- Nutley
- Livingston
- Millburn
- Maplewood
- Summit
- Westfield
- Morristown
- Princeton
- Edison
- Harrison
2026 loan limits by county
Official limits for loans made in 2026. Conforming limits are from FHFA. FHA limits are from HUD.
| County or borough | State | Conforming limit | FHA limit |
|---|---|---|---|
| Bergen County | New Jersey | $1,209,750 | $1,249,125 |
| Hudson County | New Jersey | $1,209,750 | $1,249,125 |
| Essex County | New Jersey | $1,209,750 | $1,249,125 |
| Passaic County | New Jersey | $1,209,750 | $1,249,125 |
| Union County | New Jersey | $1,209,750 | $1,249,125 |
| Morris County | New Jersey | $1,209,750 | $1,249,125 |
| Middlesex County | New Jersey | $1,209,750 | $1,249,125 |
| Mercer County | New Jersey | $832,750 | $541,287 |
One unit homes shown. Two to four unit limits are in the official files linked below. A loan above the conforming limit is a jumbo loan. Checked against the official files on 2026-11-01.
Help for New Jersey buyers
- NJHMFA first time homebuyer mortgages and down payment assistance, through participating lenders.
- Attorney review: most agent prepared contracts have a three business day review period.
- The seller pays the realty transfer fee and the graduated percent fee.
Questions people ask
- Which parts of New Jersey do you cover?
- The counties and towns listed on this page. We add towns over time.
- Is the agent match free?
- Yes. We match you with one vetted local agent for free and we never sell your information.
- Where do the loan limits come from?
- Conforming limits come from FHFA and FHA limits from HUD. The date we checked them is on each page.