FHA Loan Limits in Camden County, New Jersey (2026)
Buying in Camden County or elsewhere in Camden 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 |
These 2026 limits apply throughout Camden County, from Camden County outward, and sit alongside the limits set for neighboring Bergen and Hudson Counties.
FHA affordability around Camden County
With Camden County's median sale price estimated near $290,000 (think Camden County), the FHA down payment is roughly $10,150. Factoring New Jersey property taxes near 2.47%, expect about $2,595 monthly, pointing to income near $100,000 — above New Jersey's $99,781 median household income, so budget carefully.
FHA payment scenarios in Camden County
Whether you are buying in Camden County or a smaller Camden 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 — $209,000 | $7,315 | $1,903 |
| Local median — $290,000 | $10,150 | $2,595 |
| 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 Camden County too — get notified.
In Camden County and the surrounding Camden County market, FHA's appeal is the math: $10,150 down on a $290,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Camden County
Investors and house-hackers in Camden County and across Camden 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 Camden County for 2026?
- In Camden County (Camden 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 Camden County with FHA?
- For a median-priced ($290,000) Camden County home, plan on income around $100,000 at a 31% housing ratio — about $2,595/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Camden County?
- 3.5% with a 580+ score — roughly $10,150 on a $290,000 Camden County-area home. Gift funds are allowed.
- Is Camden County a high-cost FHA area?
- No — Camden County uses the $541,287 national floor for one unit.