NJ mortgage rates

Passaic County

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

Passaic 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 Passaic 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 Passaic

A local view of the market.

The real estate market in Passaic County, New Jersey, has shown significant growth with the median home sold price reaching $525,000 in October 2024, reflecting a 10.5% increase from the previous year. The average home value in the county is approximately $545,833, which has risen by 8.8% over the past year. Passaic County is home to several prominent cities, including Paterson, Clifton, and Wayne. Paterson, the largest city, has a population of approximately 159,732, while Clifton has around 85,052 residents. Wayne, known for its suburban appeal, has a population of about 54,717. Living in Passaic County offers a mix of suburban and rural experiences, with areas like West Milford providing a more rural setting. The county is characterized by its suburban lifestyle, with a strong emphasis on community and family-friendly neighborhoods. Key industries include healthcare, education, and retail, attracting people seeking a balanced lifestyle with access to urban amenities and natural landscapes. The county's proximity to New York City also makes it an attractive location for those looking to commute while enjoying a quieter residential environment.

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 communitiesPassaic · Clifton · PatersonFrom the county record
Data year2026Aligned with this limit record
PassaicCliftonPaterson
Top cities & communities

Communities to explore.

PassaicCliftonPaterson
Questions & Answers

Refinancing in Passaic County

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

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