NJ mortgage rates

Hudson County

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

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

About Hudson

A local view of the market.

Hudson County, New Jersey, has a dynamic real estate market, with the average home value reaching approximately $607,974, marking a 6.2% increase over the past year. Homes typically go pending in about 34 days, reflecting a competitive market environment. The county is home to several prominent cities, with Jersey City being the largest, boasting a population of around 293,542. Other significant cities include Bayonne with 71,104 residents, Union City with 64,189, and North Bergen township with 59,134. Living in Hudson County offers a predominantly suburban experience, with a vibrant urban feel in areas like Jersey City. The county is a hub for industries such as finance, healthcare, and technology, attracting a diverse population. Migration patterns show that people are drawn to Hudson County for its proximity to New York City, diverse communities, and economic opportunities.

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 communitiesSecaucus · Harrison · JerseyFrom the county record
Data year2026Aligned with this limit record
SecaucusHarrisonJersey
Top cities & communities

Communities to explore.

SecaucusHarrisonJerseyWest New YorkBayonneHobokenKearny
Questions & Answers

Refinancing in Hudson County

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

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