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2023 Mortgage Loan Limits: Middlesex County, New Jersey

Dan Green
Author: Dan Green
Last Updated: July 28, 2023
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2023 Mortgage Loan Limits for Middlesex County, New Jersey

Conforming Loans
FHA Loans
Property Type
2023 Loan Limit
1-Unit Homes
2-Unit Homes
3-Unit Homes
4-Unit Homes
Source: Federal Housing Finance Agency; Federal Housing Administration

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

Middlesex County 2023 mortgage loan limits include the following cities: Avenel, Brownville, Carteret, Clearbrook, Colonia, Concordia, Cranbury, Cranbury (Township), Dayton, Deans, Dunellen, East Brunswick, Edison, Encore at Monroe, Fords, Forsgate, Heathcote, Helmetta, Highland Park, Hopelawn, Iselin, Jamesburg, Keasbey, Kendall Park, Laurence Harbor, Madison Park, Menlo Park Terrace, Metuchen, Middlesex, Milltown, Monmouth Junction, Monroe, Monroe Manor, New Brunswick, North Brunswick, Old Bridge, Old Bridge (Township), Perth Amboy, Piscataway, Plainsboro, Plainsboro Center, Port Reading, Princeton Meadows, Regency at Monroe, Renaissance at Monroe, Rossmoor, Rutgers University-Busch Campus, Rutgers University-Livingston Campus, Sayreville, Sewaren, South Amboy, South Brunswick, South Plainfield, South River, Spotswood, Stonebridge, The Ponds, Whittingham, Woodbridge, Woodbridge (Township)

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 county and home type.

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 Middlesex County, the 2023 conforming mortgage loan limit for a 1-unit home is $1,089,300. The 2023 FHA mortgage loan limit for a 1-unit home is $1,089,300.

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. As of 2023, there are no mortgage loan limits for VA loans or USDA loans.

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Mortgage Loan Limits Near Middlesex County, New Jersey

Get 2023 conforming and FHA mortgage loan limits for the areas surrounding Middlesex County, New Jersey. Local loan limits and county-level mortgage data updated regularly.

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

Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Middlesex 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 Middlesex County, New Jersey

Mortgage statistics for Middlesex County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.

Middlesex County, New Jersey (2018-2022)

Loan Type
Relative Share
Property Type
Relative Share
1-Unit Homes
2-Unit Homes
3-Unit Homes
4-Unit Homes
Borrower Status
Relative Share
One Borrower
Two or More Borrowers
Relative Share
Not Specified
Relative Share
American Indian / Alaska Native
Black / African American
Native Hawaiian / Other Pacific Islander
Relative Share
Hispanic or Latino
Not Hispanic or Latino
Middlesex 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 Middlesex County, New Jersey

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

See National 2023 U.S. Mortgage Statistics

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

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