NJ mortgage rates

Union County

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

Union 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 Union 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 Union

A local view of the market.

Union County, NJ, has experienced a dynamic real estate market in 2024, with the median home price reaching approximately $589,000, reflecting a 7.3% increase from the previous year. The market remains competitive, with homes selling quickly, often above the asking price, indicating strong demand and limited inventory. The county is home to several prominent cities, including Elizabeth, with a population of over 137,000, and Union Township, housing around 58,000 residents. Other notable cities include Plainfield and Linden, each contributing to the diverse and vibrant community fabric of Union County. Union County offers a blend of suburban and urban living, with a strong emphasis on community and accessibility. The area is predominantly suburban, with a mix of residential neighborhoods and commercial hubs. The top industries include healthcare, education, and retail, attracting residents for both employment opportunities and quality of life. The county's proximity to New York City makes it an attractive location for those seeking a suburban lifestyle with easy access to urban amenities, contributing to ongoing migration into the area.

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 communitiesElizabeth · Rahway · PlainfieldFrom the county record
Data year2026Aligned with this limit record
ElizabethRahwayPlainfield
Top cities & communities

Communities to explore.

ElizabethRahwayPlainfieldSummitLindenUnionWestfieldRoselle
Questions & Answers

Refinancing in Union County

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

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