FHA Loan Limits in Sussex County, New Jersey (2026)
Sussex County and the rest of Sussex County, New Jersey fall under a 2026 one-unit FHA limit of $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 Sussex County to the edges of Sussex County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Bergen and Hudson Counties.
How much home can you afford in Sussex County?
With Sussex County's median sale price estimated near $447,000 (think Sussex County), the FHA down payment is roughly $15,645. Factoring New Jersey property taxes near 2.47%, expect about $3,937 monthly, pointing to income near $152,000 — above New Jersey's $99,781 median household income, so budget carefully.
FHA payment scenarios in Sussex County
Whether you are buying in Sussex County or a smaller Sussex 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 — $322,000 | $11,270 | $2,869 |
| Local median — $447,000 | $15,645 | $3,937 |
| 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 Sussex County too — get notified.
First-time buyers make up much of FHA activity in Sussex County and across Sussex County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $15,645 needed on a median Sussex County home.
Multi-unit FHA limits in Sussex County
Investors and house-hackers in Sussex County and across Sussex 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 Sussex County for 2026?
- In Sussex County (Sussex 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 Sussex County with FHA?
- For a median-priced ($447,000) Sussex County home, plan on income around $152,000 at a 31% housing ratio — about $3,937/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sussex County?
- 3.5% with a 580+ score — roughly $15,645 on a $447,000 Sussex County-area home. Gift funds are allowed.
- Is Sussex County a high-cost FHA area?
- No — Sussex County uses the $541,287 national floor for one unit.