Mortgage lender in Hudson County, NJ

Buying in Hudson County

Hudson County, with its county seat in Jersey City, takes in Jersey City, Hoboken, Bayonne, Union City, West New York and Secaucus. Stellar lends across all of New Jersey, and Hudson County files are handled from our Hamilton, NJ office by a licensed officer you can reach directly.

2026 conforming limit

$1,209,750 (high-cost area)

2026 FHA limit

$1,249,125 (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. Hudson County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Hudson County sits inside the New York metropolitan high-cost area, so its conforming limit is $1,209,750, the FHFA high-cost limit for this area, rather than the national baseline of $832,750. That matters: a loan that would be jumbo elsewhere in New Jersey can still be a conforming loan here, with conforming pricing and guidelines.

Hudson County: condos, conversions and the waterfront

Hudson County is the densest county in New Jersey and the closest to Manhattan, and the market reflects it: condominiums are the dominant purchase in Jersey City, Hoboken and along the Gold Coast through Weehawken, West New York and Edgewater's border, while Bayonne, Kearny, Harrison, North Bergen and Union City still offer two- to four-family homes and attached singles at more accessible prices. The Heights and Journal Square in Jersey City, and Bayonne's Broadway corridor, are where many first-time buyers land.

Condominium financing is the Hudson County skill. Whether a building is on FHA's approved project list, whether it is warrantable for conventional financing, its owner-occupancy ratio, budget, reserves and any pending litigation all determine which loan programs are available, and we pull the association documents before the offer rather than after. Hoboken and low-lying parts of Jersey City are inside mapped flood zones, so flood insurance goes into the payment early. Older multi-family homes bring condition and separate-utility items into the appraisal.

Hudson is in the New York high-cost area, so the higher New York-area limit applies to conforming loans. Attorney review follows the signed contract, and NJHMFA assistance pairs with FHA, VA and conventional loans for buyers within its limits. Files are handled from our Hamilton branch by a licensed New Jersey officer, and Elmer Perez serves Hudson County buyers in Spanish, with a Spanish-language version of this page available.

Hudson County by the numbers

Median home value

$539,700 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.77% of home value a year: median tax bill $9,555 on a median value of $539,700 (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

Jersey City, Bayonne, Union City, North Bergen Township (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $539,700. The 2026 one-unit conforming loan limit here is $1,209,750 and the FHA limit is $1,249,125.

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 Hudson County buyers ask

Conforming limit shown is the 2026 FHFA figure for Hudson 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.