Income limits · New Jersey

Income limits and price caps in New Jersey

66 New Jersey programs publish an income limit, a price cap, or both. Most write the limit as a share of the county’s area median income.66 New Jersey programs publish an income limit, a purchase price cap, or both. Most write the limit as a share of the county’s area median income. Here is how to read one.

01
HUD sets the median
Each year, for every county, quoted for a household of four.Each year HUD publishes the area median income for every county, quoted for a household of four.
02
The program picks a share
Up to that share of the median for the county where the home is.A limit written as a share of area median income means up to that share of the median for the county where the home is.
03
The agency publishes the dollars
Adjusted for household size, in the program’s own table. That table is the one that counts.The program adjusts its limit for household size and county, and publishes its own table. That table is the one that counts.

Area median income by county

Find your county’s median

HUD’s four-person figure. Programs adjust it for household size.HUD’s four-person figure for the county where the home is. A program applies its percentage to this number, adjusted for household size by the program.

County	Area median income, 4 people	Programs in county	HUD year	Link
Camden	$122,700	5	FY2026	Camden programs →
Essex	$138,400	5	FY2026	Essex programs →
Middlesex	$154,800	5	FY2026	Middlesex programs →
Somerset	$154,800	5	FY2026	Somerset programs →
Mercer	$139,800	4	FY2026	Mercer programs →
Ocean	$140,600	3	FY2026	Ocean programs →
Passaic	$139,100	3	FY2026	Passaic programs →
Atlantic	$97,500	2	FY2026	Atlantic programs →
Bergen	$139,100	2	FY2026	Bergen programs →
Cumberland	$89,100	2	FY2026	Cumberland programs →
Hudson	$110,100	2	FY2026	Hudson programs →
Monmouth	$140,600	2	FY2026	Monmouth programs →
Union	$138,400	2	FY2026	Union programs →
Burlington	$122,700	1	FY2026	Burlington programs →
Cape May	$115,800	1	FY2026	Cape May programs →
Gloucester	$122,700	1	FY2026	Gloucester programs →
Hunterdon	$154,800	1	FY2026	Hunterdon programs →
Morris	$138,400	1	FY2026	Morris programs →
Salem	$122,700	1	FY2026	Salem programs →
Warren	$127,900	1	FY2026	Warren programs →
Sussex	$138,400	0	FY2026	Sussex programs →

HUD FY2026 Income Limits, median family income for a four-person household. Program counts: programs whose record names the county, Hey Prescott, verified July–August 2026. Statewide programs apply too.

How programs set their limits

The percentage each program publishesThe percentage each New Jersey program publishes

Grouped by the limit in each program’s own record.Grouped by the limit written in the program’s own record. A program may also set lower tiers inside its limit; the program page has the details.

Up to 80% AMI

24 programs

All 24 →

Up to 100% AMI

6 programs

All 6 →

Up to 120% AMI

5 programs

All 5 →

Wells Fargo Homebuyer Access Grant

Up to 140% AMI

2 programs

Up to 50% AMI

1 program

TD Bank HomeReady Grant

Other limits

Limits as written in each program record, Hey Prescott, verified July–August 2026. Confirm current limits with the administering agency.

Purchase price caps

18 programs also cap the home’s price18 programs also cap the price of the home

The highest price the program accepts, as it publishes it.The cap is the highest purchase price the program accepts, as the program publishes it.

Program	County	Income limit	Price cap
First Generation Down Payment Assistance Program	Statewide	—	$2.4M
NJHMFA Down Payment Assistance Program (DPA)	—	140% AMI	$1.3M
East Orange HOMEBuyers Purchase Program	Essex	80% AMI	$920,000
Monmouth County First-Time Home Buyers Program	Monmouth	80% AMI	$885,000
Township of Lakewood First Time Homebuyer Program	Ocean	100% AMI	$826,218
NJCC Statewide Down Payment Assistance Program	Statewide	100% AMI	$625,000
Housing Partnership First-Time Homebuyer Down Payment Assistance Program	Statewide	115% AMI	$548,250
Atlantic City Homebuyers Assistance Program	Atlantic	—	$544,000
American Dream First Time Homebuyer Program (Bergen County)	Bergen	80% AMI	$523,000
Essex County Homebuyer Assistance Program (HAP)	Essex	—	$479,000
Ocean County Consortium First-Time Homebuyer Program	Ocean	—	$475,000
Atlantic County HUD HOME Down Payment Assistance Program	Atlantic	80% AMI	$314,000
Mercer County Consortium HOME First-Time Homebuyer Program	Mercer	80% AMI	$309,000
American Dream Downpayment Program	Middlesex	60% AMI	$304,000
Middlesex County American Dream Downpayment Program	Middlesex	—	$304,000
Camden County First-Time Homebuyers' Program	Camden	80% AMI	$290,000
First Time Homebuyer Program	Camden	80% AMI	$290,000
Gloucester County Homebuyer Down Payment Assistance Program	Gloucester	80% AMI	$290,000

All 18 price caps →

Housing Partnership First-Time Homebuyer Down Payment Assistance Program$548,250
Atlantic City Homebuyers Assistance Program$544,000
American Dream First Time Homebuyer Program (Bergen County)$523,000
Essex County Homebuyer Assistance Program (HAP)$479,000
Ocean County Consortium First-Time Homebuyer Program$475,000
Atlantic County HUD HOME Down Payment Assistance Program$314,000
Mercer County Consortium HOME First-Time Homebuyer Program$309,000
American Dream Downpayment Program$304,000
Middlesex County American Dream Downpayment Program$304,000
Camden County First-Time Homebuyers' Program$290,000
First Time Homebuyer Program$290,000
Gloucester County Homebuyer Down Payment Assistance Program$290,000

Sorted by cap. Caps as published by each agency, Hey Prescott program records, verified July–August 2026.

Not sure where your income lands?

43 HUD-approved counseling agencies in New Jersey43 HUD-approved housing counseling agencies in New Jersey

A counselor can walk through a program’s own income table with you, for free.A counselor can walk through a program’s own income table with you, for free. Create an account, take the 90-second match, and we’ll show the counselors near you.

Find my counselor

Free account → 90-second match → your counselors

Keep exploring New Jersey

New Jersey programs71 programsBack to New Jersey →All 21 countiesLocal programs and mediansSee counties →21 cities with a programatlantic city, bedminster, bedminster township and moreSee cities →How income limits workCounted across every stateRead it →

Questions, answered

What are the income limits for down payment assistance in New Jersey?

66 down payment assistance programs in New Jersey publish an income limit, a purchase price cap, or both. 40 express the limit as a share of the area median income for the county where the home is, and 27 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a share of area median income, which HUD publishes per county and revises annually. A program with one published share therefore admits a different dollar figure in each county, and the program adjusts that figure for household size in its own table.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Sources

U.S. Department of Housing and Urban Development, FY2026 Income Limits: median family income, four-person household, by county. HUD’s own household-size tables →
Program limits and price caps: each administering agency, as recorded by Hey Prescott, verified July–August 2026.
HUD-approved housing counseling agencies: HUD agency list.