FHA Loan Limits in Warren County, New Jersey (2026)
From Warren County, FHA buyers in Warren 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 Warren County to the edges of Warren 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 Warren County?
An FHA buyer near Warren County faces an estimated $523,000 median, a $18,305 down payment, and — after New Jersey's 2.47% property tax — a monthly cost around $4,586. That suits household income of roughly $178,000, above New Jersey's $99,781 median household income, so budget carefully.
FHA payment scenarios in Warren County
Here is what an FHA payment looks like at three Warren County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $377,000 | $13,195 | $3,339 |
| Local median — $523,000 | $18,305 | $4,586 |
| 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 Warren County too — get notified.
First-time buyers make up much of FHA activity in Warren County and across Warren County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,305 needed on a median Warren County home.
Multi-unit FHA limits in Warren County
Looking at a duplex or fourplex near Warren County? FHA allows up to $692,997 on two units and $1,041,072 on four in Warren 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 Warren County for 2026?
- In Warren County (Warren 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 Warren County with FHA?
- For a median-priced ($523,000) Warren County home, plan on income around $178,000 at a 31% housing ratio — about $4,586/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Warren County?
- 3.5% with a 580+ score — roughly $18,305 on a $523,000 Warren County-area home. Gift funds are allowed.
- Is Warren County a high-cost FHA area?
- No — Warren County uses the $541,287 national floor for one unit.