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Mortgage Loan Limits: Bergen County, New Jersey

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Mortgage Loan Limits for Bergen County, New Jersey

Conforming Loans
FHA Loans
Property Type
2024 Loan Limit
1-Unit Homes
$1,149,825
2-Unit Homes
$1,472,250
3-Unit Homes
$1,779,525
4-Unit Homes
$2,211,600
Source: Federal Housing Finance Agency; Federal Housing Administration

What’s On This Page

This interactive home buyer tool shows current conforming and FHA mortgage loan limits in the U.S., alongside charts that detail historical local loan limit changes from 1970 to present.

The mortgage loan limits information on this page is sourced from the Federal Housing Finance Agency (FHFA) and the Federal Housing Administration (FHA), and is verified for changes regularly.

As a helpful added resource, this page also contains local home buyer demographic data, provided by the Home Mortgage Disclosure Act.

Bergen County, New Jersey, mortgage loan limits apply in:

Bergen County 2024 mortgage loan limits include the following cities: Allendale, Alpine, Bergenfield, Bogota, Carlstadt, Cliffside Park, Closter, Cresskill, Demarest, Dumont, East Rutherford, Edgewater, Elmwood Park, Emerson, Englewood, Englewood Cliffs, Fair Lawn, Fairview, Fort Lee, Franklin Lakes, Garfield, Glen Rock, Hackensack, Harrington Park, Hasbrouck Heights, Haworth, Hillsdale, Ho-Ho-Kus, Leonia, Little Ferry, Lodi, Lyndhurst, Mahwah, Maywood, Midland Park, Montvale, Moonachie, New Milford, North Arlington, Northvale, Norwood, Oakland, Old Tappan, Oradell, Palisades Park, Paramus, Park Ridge, Ramapo College of New Jersey, Ramsey, Ridgefield, Ridgefield Park, Ridgewood, River Edge, River Vale, Rochelle Park, Rockleigh, Rutherford, Saddle Brook, Saddle River, South Hackensack, Teaneck, Tenafly, Teterboro, Upper Saddle River, Waldwick, Wallington, Washington, Westwood, Woodcliff Lake, Wood-Ridge, Wyckoff

What Is A Mortgage Loan Limit?

Mortgage loan limits are the upper boundaries for how much a home buyer can borrow on a mortgage. Loan limits vary by home type and county, with some counties receiving the high-cost areas designation.

The Federal Housing Finance Agency (FHFA) sets mortgage loan limits for conforming mortgages and the Federal Housing Administration (FHA) sets loan limits for FHA mortgages. In Bergen County, the 2024 conforming mortgage loan limit for a 1-unit home is $1,149,825. The 2024 FHA mortgage loan limit for a 1-unit home is $1,149,825.

Conforming and FHA mortgage loan limits change annually to reflect changes in local and national home values. Loans that exceed conforming loan limit sizes are commonly called jumbo mortgages. In 2024, there are no mortgage loan limits for VA loans or USDA loans.

What are Mortgage Loan Limits?
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Mortgage Loan Limits Near Bergen County, New Jersey

Get 2024 conforming and FHA mortgage loan limits for the areas surrounding Bergen County, New Jersey. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Historical Charts: Mortgage Loan Limits in Bergen County, New Jersey

Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Bergen County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.

Conforming Loans
FHA Loans

Mortgage Statistics from Bergen County, New Jersey

Mortgage statistics for Bergen County for the most recently-available five-year period as sourced from the Home Mortgage Disclosure Act (HMDA) database and maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database stores detailed, anonymous loan data on a national basis and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.

Loan Type
Relative Share
Conventional
83.51%
FHA
14.77%
VA
1.72%
USDA
0.00%
Property Type
Relative Share
1-Unit Homes
90.98%
2-Unit Homes
8.50%
3-Unit Homes
0.37%
4-Unit Homes
0.15%
Borrower Status
Relative Share
One Borrower
11.51%
Two or More Borrowers
88.49%
Gender
Relative Share
Male
57.32%
Female
27.58%
Not Specified
15.11%
Race
Relative Share
American Indian / Alaska Native
0.21%
Asian
23.01%
Black / African American
4.58%
Native Hawaiian / Other Pacific Islander
0.20%
White
68.89%
Other
3.12%
Ethnicity
Relative Share
Hispanic or Latino
18.59%
Not Hispanic or Latino
77.78%
Bergen County data represents closed-end, first-lien purchase mortgages for residential properties, 1-4 units, for the 5-year period 2018-2022. Source: FFEIC Home Mortgage Disclosure Act

Mortgage Statistics Near Bergen County, New Jersey

Get mortgage statistics for the areas surrounding Bergen County, New Jersey.

See National 2024 U.S. Mortgage Statistics

Pie chart illustration

See Today’s Mortgage Rates in Bergen County, New Jersey

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