Mortgage lender in Gloucester County, NJ

Buying in Gloucester County

Gloucester County, with its county seat in Woodbury, takes in Washington Township, Deptford, Glassboro, Mullica Hill, Woodbury and West Deptford. Stellar lends across all of New Jersey, and Gloucester County files are handled from our Hamilton, NJ office by a licensed officer you can reach directly.

2026 conforming limit

$832,750

2026 FHA limit

$630,200 (one-unit, set by HUD)

Above that

Jumbo pricing

Closing handled by

attorney

State housing agency

NJHMFA (participating lender)

Your office

Hamilton, NJ

2026 limits for a one-unit property. Gloucester County is not designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Gloucester County. Loans above it are jumbo, which means tighter reserves and different pricing.

Gloucester County: new construction, Rowan and the farm belt

Gloucester County is where much of South Jersey's new construction has gone for the past two decades. Washington Township, Deptford, West Deptford, Mantua and Harrison Township around Mullica Hill have built out subdivision after subdivision for buyers who work in Philadelphia, Cherry Hill or along Route 55. Woodbury, the county seat, and the river towns of Paulsboro, National Park and Westville are older and more affordable. Glassboro is anchored by Rowan University and its growth, and the southern townships of Franklin, Elk, South Harrison and Woolwich around Swedesboro are still farmland and orchards with larger lots.

New construction brings builder contracts, long settlement windows and incentive documentation that we handle routinely. The southern and western townships bring private wells and septic systems that require testing, properties with acreage where the appraiser separates residential value from agricultural use, and a meaningful number of addresses inside USDA's eligible area, which opens USDA financing with little or no money down for buyers who qualify. Gloucester County is in the Philadelphia metropolitan area, so the conforming baseline applies.

Attorney review follows the signed contract, property taxes vary by municipality and can be significant relative to price, and NJHMFA assistance pairs with FHA, VA, USDA and conventional loans for buyers within the agency's limits. Files are handled from our Hamilton branch by a licensed New Jersey officer.

Gloucester County by the numbers

Median home value

$310,400 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 2.60% of home value a year: median tax bill $8,055 on a median value of $310,400 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Realty Transfer Fee on a graduated schedule per $500 of the price, charged to the seller (New Jersey Division of Taxation)

Largest communities

Washington Township, Monroe Township, Deptford Township, Glassboro (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $310,400. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $630,200.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in New Jersey

Closings in New Jersey are typically handled by an attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the New Jersey page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Gloucester County buyers ask

Conforming limit shown is the 2026 FHFA figure for Gloucester County. FHA limits and state agency caps are set by HUD and NJHMFA and change periodically. Verify on the official source. Not a commitment to lend.