FHA Loan Limits in Burlington County, New Jersey (2026)
Buying in Burlington County or elsewhere in Burlington County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Mid-Atlantic.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Burlington County to the edges of Burlington County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Bergen and Hudson Counties.
FHA affordability around Burlington County
An FHA buyer near Burlington County faces an estimated $568,000 median, a $18,945 down payment, and — after New Jersey's 2.47% property tax — a monthly cost around $4,743. That suits household income of roughly $184,000, above New Jersey's $99,781 median household income, so budget carefully.
FHA payment scenarios in Burlington County
Whether you are buying in Burlington County or a smaller Burlington 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 — $409,000 | $14,315 | $3,612 |
| Local median — $541,287 | $18,945 | $4,743 |
| At the FHA limit — $541,287 | $18,945 | $4,743 |
Estimates include FHA MIP plus New Jersey property taxes and insurance. Rates move daily near Burlington County too — get notified.
First-time buyers make up much of FHA activity in Burlington County and across Burlington County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Burlington County home.
Multi-unit FHA limits in Burlington County
Investors and house-hackers in Burlington County and across Burlington County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Burlington County for 2026?
- In Burlington County (Burlington County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Burlington County with FHA?
- For a median-priced ($541,287) Burlington County home, plan on income around $184,000 at a 31% housing ratio — about $4,743/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Burlington County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Burlington County-area home. Gift funds are allowed.
- Is Burlington County a high-cost FHA area?
- No — Burlington County uses the $541,287 national floor for one unit.