FHA Loan Limits in Hudson County, New Jersey (2026)
From Hudson County, FHA buyers in Hudson County can finance a one-unit home up to $1,249,125 with 3.5% down in 2026. 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 Hudson County, from Hudson County outward, and sit alongside the limits set for neighboring Bergen and Essex Counties.
What can you buy with FHA in Hudson County?
An FHA buyer near Hudson County faces an estimated $520,000 median, a $18,200 down payment, and — after New Jersey's 2.47% property tax — a monthly cost around $4,561. That suits household income of roughly $177,000, above New Jersey's $99,781 median household income, so budget carefully.
FHA payment scenarios in Hudson County
Here is what an FHA payment looks like at three Hudson County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $374,000 | $13,090 | $3,313 |
| Local median — $520,000 | $18,200 | $4,561 |
| 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 Hudson County too — get notified.
In Hudson County and the surrounding Hudson County market, FHA's appeal is the math: $18,200 down on a $520,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Hudson County
Looking at a duplex or fourplex near Hudson County? FHA allows up to $1,599,225 on two units and $2,402,475 on four in Hudson 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 Hudson County for 2026?
- In Hudson County (Hudson 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 Hudson County with FHA?
- For a median-priced ($520,000) Hudson County home, plan on income around $177,000 at a 31% housing ratio — about $4,561/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hudson County?
- 3.5% with a 580+ score — roughly $18,200 on a $520,000 Hudson County-area home. Gift funds are allowed.
- Is Hudson County a high-cost FHA area?
- Yes — Hudson County's $1,249,125 one-unit limit tops the $541,287 national floor.