FHA Loan Limits in Gloucester County, New Jersey (2026)
From Gloucester County, FHA buyers in Gloucester County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Gloucester County to the edges of Gloucester County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Bergen and Hudson Counties.
What can you buy with FHA in Gloucester County?
With Gloucester County's median sale price estimated near $568,000 (think Gloucester County), the FHA down payment is roughly $18,945. Factoring New Jersey property taxes near 2.47%, expect about $4,743 monthly, pointing to income near $184,000 — above New Jersey's $99,781 median household income, so budget carefully.
FHA payment scenarios in Gloucester County
Here is what an FHA payment looks like at three Gloucester County budgets, all with 3.5% down at a 6.25% example 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 Gloucester County too — get notified.
First-time buyers make up much of FHA activity in Gloucester County and across Gloucester 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 Gloucester County home.
Multi-unit FHA limits in Gloucester County
Looking at a duplex or fourplex near Gloucester County? FHA allows up to $692,997 on two units and $1,041,072 on four in Gloucester County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Gloucester County for 2026?
- In Gloucester County (Gloucester 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 Gloucester County with FHA?
- For a median-priced ($541,287) Gloucester 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 Gloucester County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Gloucester County-area home. Gift funds are allowed.
- Is Gloucester County a high-cost FHA area?
- No — Gloucester County uses the $541,287 national floor for one unit.