NJ mortgage rates

Bergen County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Bergen County, New Jersey. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Bergen County

Conforming Loan Limits

Per property
1 unit$1,209,750
2 units$1,548,975
3 units$1,872,225
4 units$2,326,875

FHA Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Bergen County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Bergen

A local view of the market.

The real estate market in Bergen County, New Jersey, is experiencing significant growth, with the average home value reaching $700,973, marking an 8.1% increase over the past year. Homes in this area typically go to pending status in approximately 21 days, indicating a competitive market environment. Bergen County is home to several prominent cities, including Hackensack, which serves as the county seat and has a population of around 45,000. Another notable city is Teaneck, with a population of approximately 41,000, known for its diverse community and vibrant cultural scene. Living in Bergen County offers a predominantly suburban lifestyle, with a mix of residential neighborhoods and commercial areas. The county is characterized by its proximity to New York City, making it a desirable location for commuters. The top industries include healthcare, education, and retail, attracting individuals seeking employment opportunities. The county's appeal is further enhanced by its excellent school systems and quality of life, drawing families and professionals looking to settle in a well-connected suburban area.

County snapshot

Market context.

NJ

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaNew York-Newark-Jersey CityMapped market area
Area code35620CBSA / MSA reference
Featured communitiesGarfield · Paramus · BergenfieldFrom the county record
Data year2026Aligned with this limit record
GarfieldParamusBergenfield
Top cities & communities

Communities to explore.

GarfieldParamusBergenfieldLodiFort LeeCliffside ParkFair LawnHackensackPalisades ParkRidgewoodElmwood ParkEnglewood
Questions & Answers

Refinancing in Bergen County

Common questions about 2026 loan limits and refinancing opportunities in New Jersey.

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