NJ mortgage rates

Middlesex County

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

Middlesex 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 Middlesex 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 Middlesex

A local view of the market.

Middlesex County, New Jersey, is experiencing a robust real estate market with the average home value reaching $544,013, marking a 9.6% increase over the past year. Homes in this area typically go to pending status within approximately 21 days, indicating a competitive market environment. The county is home to several prominent cities, including Edison, with a population of approximately 107,588, and Woodbridge Township, which has around 103,639 residents. Other notable cities include New Brunswick, with a population of about 55,181, and Perth Amboy, housing around 51,390 people. These cities contribute significantly to the county's vibrant community life. Living in Middlesex County offers a blend of suburban and urban experiences, with a strong emphasis on suburban life. The county is characterized by its diverse industries, including pharmaceuticals, technology, and education, which attract a steady influx of residents. People are drawn to Middlesex County for its employment opportunities, suburban lifestyle, and proximity to major metropolitan areas like New York City.

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 communitiesNew Brunswick · South Plainfield · Perth AmboyFrom the county record
Data year2026Aligned with this limit record
New BrunswickSouth PlainfieldPerth Amboy
Top cities & communities

Communities to explore.

New BrunswickSouth PlainfieldPerth AmboyCarteretSayreville
Questions & Answers

Refinancing in Middlesex County

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

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