NJ mortgage rates

Sussex County

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

Sussex 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 Sussex 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 Sussex

A local view of the market.

The real estate market in Sussex County, New Jersey, has seen a notable increase in home values over the past year. As of 2024, the average home value in the county is approximately $424,356, reflecting a 9.8% increase from the previous year. Among the top cities in Sussex County, Vernon Township stands out with a population of around 22,296, making it one of the largest in the area. Sparta Township follows with a population of approximately 19,623, and Franklin Township has about 16,371 residents. Living in Sussex County offers a mix of rural and suburban experiences. The county is known for its agricultural heritage, with areas like the Kittatinny and Upper Delaware Valleys maintaining a predominantly rural character. The top industries include agriculture and tourism, with many people moving to Sussex County for its scenic landscapes and quieter lifestyle compared to more urbanized areas.

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
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Sussex County

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

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