Bergen County, New Jersey Housing Market & Loan Limits
Explore county loan limits, affordability benchmarks, and ZIP-level market pages for Bergen County, New Jersey.
2026 Loan Limits in Bergen County
| Property Type | Conforming | FHA |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot - Bergen County, New Jersey
To purchase the median home at $350,000 with 5% down at 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800/yr insurance, and a 28% DTI guideline.
ZIP codes in Bergen County
Jump into ZIP-level market pages for this county.
- 07010
- 07020
- 07022
- 07024
- 07026
- 07031
- 07057
- 07070
- 07071
- 07072
- 07073
- 07074
- 07075
- 07401
- 07407
- 07410
- 07417
- 07423
- 07430
- 07432
- 07436
- 07446
- 07450
- 07452
- 07458
- 07463
- 07481
- 07601
- 07603
- 07604
- 07605
- 07606
- 07607
- 07608
- 07620
- 07621
- 07624
- 07626
- 07627
- 07628
- 07630
- 07631
- 07632
- 07640
- 07641
- 07642
- 07643
- 07644
- 07645
- 07646
- 07647
- 07648
- 07649
- 07650
- 07652
- 07656
- 07657
- 07660
- 07661
- 07662
- 07663
- 07666
- 07670
- 07675
- 07676
- 07677