Mortgage lender in Salem County, NJ

Buying in Salem County

Salem County, with its county seat in Salem, takes in Pennsville, Carneys Point, Salem and Woodstown. Stellar lends across all of New Jersey, and Salem 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. Salem 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 Salem County. Loans above it are jumbo, which means tighter reserves and different pricing.

Salem County: small towns and farmland

Salem County is the least densely populated county in New Jersey. Pennsville, Carneys Point and Penns Grove line the Delaware River near the Delaware Memorial Bridge; Salem, the county seat, sits just south; and Woodstown, Elmer and Pittsgrove are surrounded by working farms.

Many buyers here work across the bridge in Delaware, and that out-of-state income counts normally. Most homes outside the boroughs use a private well and septic system, and New Jersey requires well water to be tested when a home is sold, so we plan for those reports early. Land enrolled in farmland assessment and larger parcels with outbuildings change how an appraisal is done. Much of the county falls inside the USDA eligibility map, and parts of Pennsville and Salem along the river are in a mapped flood zone.

Salem County by the numbers

Median home value

$239,500 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 2.93% of home value a year: median tax bill $7,018 on a median value of $239,500 (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

Pennsville Township, Pittsgrove Township, Carneys Point Township, Salem (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $239,500. 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 Salem County buyers ask

Conforming limit shown is the 2026 FHFA figure for Salem 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.