Mortgage lender in Middlesex County, NJ

Buying in Middlesex County

Middlesex County, with its county seat in New Brunswick, takes in Edison, Woodbridge, New Brunswick, Old Bridge, Piscataway, East Brunswick and Monroe Township. Stellar lends across all of New Jersey, and Middlesex 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. Middlesex County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Middlesex 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.

Middlesex County: Route 1, Route 18 and the active-adult communities

Middlesex County sits between our Hamilton branch and the New York commuter belt, and it is one of the most diverse housing markets in the state. Edison, Woodbridge, Piscataway and New Brunswick along Route 1 and Route 27 mix older Capes and colonials with garden-style condos and newer townhouse developments. East Brunswick, Old Bridge, Sayreville and South Brunswick along Route 18 and Route 9 are family suburbs with strong schools. Monroe Township and parts of Old Bridge have some of the largest age-restricted communities in the country, and Plainsboro and South Brunswick serve the Princeton job market.

Middlesex is part of the New York metropolitan high-cost area, so its conforming limit is the higher New York-area limit rather than the baseline. That means a loan that would be jumbo in Mercer or Burlington can still be conventional here, with conforming pricing and guidelines. The county's many condominiums and townhouses bring association budgets, reserve levels and owner-occupancy ratios into the approval, and age-restricted communities carry occupancy rules a lender has to confirm, so we review the association documents early.

Attorney review follows the signed contract, property taxes vary widely by municipality, and NJHMFA assistance pairs with FHA, VA, USDA and conventional loans for buyers within its limits. Files are handled from our Hamilton branch by a licensed New Jersey officer, and Spanish-, Russian- and Ukrainian-language versions of this page are available.

Middlesex County by the numbers

Median home value

$462,900 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 2.10% of home value a year: median tax bill $9,712 on a median value of $462,900 (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

Edison Township, Woodbridge Township, Old Bridge Township, Piscataway Township (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $462,900. 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 Middlesex County buyers ask

Conforming limit shown is the 2026 FHFA figure for Middlesex 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.