2025 Mortgage Loan Limits: Middlesex County, New Jersey
| Property Type | 2025 Loan Limit |
|---|---|
| 1-Unit Homes | $1,209,750 |
| 2-Unit Homes | $1,548,975 |
| 3-Unit Homes | $1,872,225 |
| 4-Unit Homes | $2,326,875 |
Source: Federal Housing Finance Agency; Federal Housing Administration
Middlesex County, New Jersey, mortgage loan limits apply in:
Middlesex County 2025 mortgage loan limits include the following cities: Avenel, Brownville, Carteret, Clearbrook, Colonia, Concordia, Cranbury, Cranbury (Township), Dayton, Deans, Dunellen, East Brunswick, Edison, Encore at Monroe, Fords, Forsgate, Heathcote, Helmetta, Highland Park, Hopelawn, Iselin, Jamesburg, Keasbey, Kendall Park, Laurence Harbor, Madison Park, Menlo Park Terrace, Metuchen, Middlesex, Milltown, Monmouth Junction, Monroe, Monroe Manor, New Brunswick, North Brunswick, Old Bridge, Old Bridge (Township), Perth Amboy, Piscataway, Plainsboro, Plainsboro Center, Port Reading, Princeton Meadows, Regency at Monroe, Renaissance at Monroe, Rossmoor, Rutgers University-Busch Campus, Rutgers University-Livingston Campus, Sayreville, Sewaren, South Amboy, South Brunswick, South Plainfield, South River, Spotswood, Stonebridge, The Ponds, Whittingham, Woodbridge, Woodbridge (Township)
Historical Charts: Mortgage Loan Limits in Middlesex County, New Jersey
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Middlesex County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Mortgage Statistics from Middlesex County, New Jersey
Mortgage statistics for Middlesex County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
| Mortgages | Total |
|---|---|
| Purchase Mortgages (2018-2023) | 42184 |
| Loan Type | Relative Share |
|---|---|
| Conventional | 81.87% |
| FHA | 15.90% |
| VA | 2.21% |
| USDA | 0.02% |
| Property Type | Relative Share |
|---|---|
| 1-Unit Homes | 96.78% |
| 2-Unit Homes | 2.89% |
| 3-Unit Homes | 0.21% |
| 4-Unit Homes | 0.12% |
| Borrower Status | Relative Share |
|---|---|
| One Applicant | 56.84% |
| Two or More Applicants | 43.16% |
| Gender | Relative Share |
|---|---|
| Male | 40.04% |
| Female | 19.22% |
| Joint Sex | 35.37% |
| Not Available | 5.37% |
| Race | Relative Share |
|---|---|
| American Indian / Alaska Native | 0.25% |
| Asian | 32.08% |
| Black / African American | 7.07% |
| Native Hawaiian / Other Pacific Islander | 0.20% |
| White | 43.08% |
| Mixed Race | 2.18% |
| Other Race | 15.15% |
| Ethnicity | Relative Share |
|---|---|
| Hispanic or Latino | 15.64% |
| Not Hispanic or Latino | 68.28% |
| Joint Ethnicity | 2.67% |
| Other Ethnicity | 13.40% |
Middlesex County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act
Mortgage Loan Limits Near Middlesex County, New Jersey
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Middlesex County, New Jersey. Local loan limits and county-level mortgage data updated regularly.
