FHA Loan Limits in Bergen County, New Jersey (2026)
Bergen County and the rest of Bergen County, New Jersey fall under a 2026 one-unit FHA limit of $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
These 2026 limits apply throughout Bergen County, from Bergen County outward, and sit alongside the limits set for neighboring Hudson and Essex Counties.
How much home can you afford in Bergen County?
Homes around Bergen County carry an estimated local median near $560,000, so an FHA buyer in Bergen County puts down about $19,600 (3.5%). With New Jersey's 2.47% effective property-tax rate, the all-in payment runs near $4,903 a month — comfortable on household income around $190,000, above New Jersey's $99,781 median household income, so budget carefully.
FHA payment scenarios in Bergen County
Whether you are buying in Bergen County or a smaller Bergen County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $403,000 | $14,105 | $3,561 |
| Local median — $560,000 | $19,600 | $4,903 |
| At the FHA limit — $1,249,125 | $43,719 | $10,792 |
Estimates include FHA MIP plus New Jersey property taxes and insurance. Rates move daily near Bergen County too — get notified.
In Bergen County and the surrounding Bergen County market, FHA's appeal is the math: $19,600 down on a $560,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Bergen County
Investors and house-hackers in Bergen County and across Bergen County can finance 2-4 unit homes with FHA at just 3.5% down: $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
Be First to Know When FHA Rates Move
Free to join in under 30 seconds. Get notified when it is time to act.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Bergen County for 2026?
- In Bergen County (Bergen County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Bergen County with FHA?
- For a median-priced ($560,000) Bergen County home, plan on income around $190,000 at a 31% housing ratio — about $4,903/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bergen County?
- 3.5% with a 580+ score — roughly $19,600 on a $560,000 Bergen County-area home. Gift funds are allowed.
- Is Bergen County a high-cost FHA area?
- Yes — Bergen County's $1,249,125 one-unit limit tops the $541,287 national floor.