2025 Mortgage Loan Limits: Ocean 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
Ocean County, New Jersey, mortgage loan limits apply in:
Ocean County 2025 mortgage loan limits include the following cities: Barnegat, Barnegat Light, Barnegat (Township), Bay Head, Beach Haven, Beach Haven West, Beachwood, Berkeley, Brick, Cedar Glen Lakes, Cedar Glen West, Crestwood Village, Dover Beaches North, Dover Beaches South, Eagleswood, Forked River, Harvey Cedars, Holiday City-Berkeley, Holiday City South, Holiday Heights, Island Heights, Jackson, Lacey, Lakehurst, Lakewood, Lakewood (Township), Lavallette, Leisure Knoll, Leisure Village, Leisure Village East, Leisure Village West, Little Egg Harbor, Long Beach, Manahawkin, Manchester, Mantoloking, Mystic Island, New Egypt, North Beach Haven, Ocean, Ocean Acres, Ocean Gate, Pine Beach, Pine Lake Park, Pine Ridge at Crestwood, Plumsted, Point Pleasant, Point Pleasant Beach, Seaside Heights, Seaside Park, Ship Bottom, Silver Ridge, South Toms River, Stafford, Surf City, Toms River, Toms River (Township), Tuckerton, Vista Center, Waretown
Historical Charts: Mortgage Loan Limits in Ocean County, New Jersey
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Ocean 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 Ocean County, New Jersey
Mortgage statistics for Ocean 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) | 50073 |
| Loan Type | Relative Share |
|---|---|
| Conventional | 80.02% |
| FHA | 15.26% |
| VA | 4.07% |
| USDA | 0.66% |
| Property Type | Relative Share |
|---|---|
| 1-Unit Homes | 99.05% |
| 2-Unit Homes | 0.82% |
| 3-Unit Homes | 0.10% |
| 4-Unit Homes | 0.03% |
| Borrower Status | Relative Share |
|---|---|
| One Applicant | 52.48% |
| Two or More Applicants | 47.52% |
| Gender | Relative Share |
|---|---|
| Male | 33.20% |
| Female | 21.69% |
| Joint Sex | 40.58% |
| Not Available | 4.52% |
| Race | Relative Share |
|---|---|
| American Indian / Alaska Native | 0.17% |
| Asian | 1.60% |
| Black / African American | 2.13% |
| Native Hawaiian / Other Pacific Islander | 0.09% |
| White | 83.79% |
| Mixed Race | 1.12% |
| Other Race | 11.10% |
| Ethnicity | Relative Share |
|---|---|
| Hispanic or Latino | 5.39% |
| Not Hispanic or Latino | 81.12% |
| Joint Ethnicity | 2.00% |
| Other Ethnicity | 11.50% |
Ocean 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 Ocean County, New Jersey
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Ocean County, New Jersey. Local loan limits and county-level mortgage data updated regularly.
