Essex County, New Jersey
What to know before you buy, rent or move in Essex County: the towns we cover, the main transit lines, the official county website and the 2026 loan limits.
Essex County
County seat: Newark.
Official Essex County website ↗Towns we cover in Essex County
Local services in Essex County
Guides for hiring contractors, home inspectors, real estate attorneys and home insurance in each town, with the official license lookups.
Contractors
Home inspectors
Attorneys and title
Getting around Essex County
- Newark Penn Station (NJ Transit, PATH, Amtrak)
- NJ Transit Montclair-Boonton and Morris & Essex lines
- Newark Light Rail
2026 loan limits in Essex County
One unit home: conforming loan up to $1,209,750 (FHFA), FHA loan up to $1,249,125 (HUD).
- 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
- What is the conforming loan limit in Essex County?
- $1,209,750 for a one unit home in 2026, per FHFA. The FHA limit is $1,249,125, per HUD.
- Which towns in Essex County do you cover?
- Montclair, Nutley, Livingston, Millburn, Maplewood.
- Can you match me with an agent in Essex County?
- Yes. We match you with one vetted local agent for free, usually within 24 to 48 hours.
Official sources
Facts checked 2026-11-01. General information, not financial, legal or tax advice. We are not a lender.