NJ mortgage rates

Gloucester County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Gloucester 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

Gloucester County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$630,200
2 units$806,750
3 units$975,200
4 units$1,211,950

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 Gloucester 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 Gloucester

A local view of the market.

The real estate market in Gloucester County, New Jersey, has seen a notable increase in home values. As of 2024, the average home value in the county is $358,212, reflecting a 6.7% rise over the past year. Homes in this area typically go to pending status within approximately 15 days, indicating a competitive market. Gloucester County is home to several prominent cities, including Washington Township and Glassboro. Washington Township is one of the larger municipalities, with a population of around 48,000 residents. Glassboro, known for hosting Rowan University, has a population of approximately 20,000 people, contributing to its vibrant community life. Living in Gloucester County offers a mix of rural and suburban experiences, with a strong presence of agriculture and suburban neighborhoods. The county's economy is supported by industries such as education, healthcare, and retail. Many people are drawn to Gloucester County for its balance of suburban living with access to rural landscapes, making it an attractive destination for those seeking a quieter lifestyle while still being close to urban amenities.

County snapshot

Market context.

NJ

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

Market areaPhiladelphia-Camden-WilmingtonMapped market area
Area code37980CBSA / MSA reference
Featured communityGlassboroFrom the county record
Data year2026Aligned with this limit record
Glassboro
Top cities & communities

Communities to explore.

Glassboro
Questions & Answers

Refinancing in Gloucester County

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

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