Mortgage lender in Warren County, NJ

Buying in Warren County

Warren County, with its county seat in Belvidere, takes in Phillipsburg, Hackettstown, Washington and Belvidere. Stellar lends across all of New Jersey, and Warren 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

$541,287 (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. Warren 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 Warren County. Loans above it are jumbo, which means tighter reserves and different pricing.

Warren County: along the Delaware and Interstate 78

Warren County runs along the Delaware River opposite Pennsylvania. Phillipsburg, across from Easton, has older twins and rowhomes; Hackettstown and Washington are the main towns inland; Belvidere is the county seat; and the northern end, around Blairstown and Knowlton, is rural.

Buyers come here for prices lower than in the counties to the east, and many commute on Interstates 78 and 80. In Phillipsburg, older housing means an FHA or VA appraisal is more likely to raise condition items, and two-unit homes bought to live in follow owner-occupant rules. Along the Delaware, in parts of Phillipsburg, Belvidere and Harmony, some properties are in a mapped flood zone. Up-county, expect wells, septic systems and some addresses inside the USDA eligibility map.

Warren County by the numbers

Median home value

$346,500 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 2.34% of home value a year: median tax bill $8,119 on a median value of $346,500 (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

Phillipsburg, Hackettstown, Lopatcong Township, Mansfield Township (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $346,500. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

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 Warren County buyers ask

Conforming limit shown is the 2026 FHFA figure for Warren 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.