Urban Target Area Limits
For The First-Time Homebuyer Program
The following areas are identified as Urban Target Areas. Entire municipalities may not be a designated Urban Target Area (UTA).
Please use the Site Evaluator online tool at www.njhousing.gov/homeownership/buyers/site/ or contact an NJHMFA participating lender to
determine if your property is within a UTA.
Atlantic County: Absecon, Atlantic City, Hamilton, Pleasantville, Ventnor City
Bergen County: Elmwood Park, Fairview, South Hackensack, Wallington
Burlington County: Burlington, Delran, Palmyra, Washington, Woodland
Camden County: Berlin, Camden, Cherry Hill, Gloucester City, Pennsauken,
Pine Hill, Woodlynne
Cumberland County: Bridgeton, Commercial, Millville, Vineland
Essex County: Belleville, City of Orange, East Orange, Glen Ridge, Irvington,
Maplewood, Newark, South Orange Village
Gloucester County: Elk, Westville
Hudson County: Bayonne, Guttenberg, Harrison, Hoboken, Jersey City, Kearny,
Union City, Weehawken, West New York
Mercer County: Trenton
Middlesex County: Cranbury, New Brunswick, North Brunswick, Old Bridge,
Perth Amboy, South Amboy
Morris County: Mount Olive
Ocean County: Berkeley, Lakewood, Manchester, Toms River, Tuckerton
Passaic County: Passaic, Paterson, Totowa
Salem County: Elsinboro, Penns Grove, Quinton
Somerset County: Green Brook, North Plainfield, South Bound Brook
Union County: Elizabeth, Hillside, Linden, Plainfield
Warren County: Phillipsburg
MAXIMUM INCOME LIMITS
Percent of Area Median Income (AMI)
Limits are listed from lowest to highest
COUNTIES
1-2 FAMILY HOUSEHOLD 3+ FAMILY HOUSEHOLD
Atlantic, Burlington, Camden, Cape May,
Cumberland, Gloucester, Hudson,
Salem, & Warren
$150,360 $175,420
$151,080 $176,260
Bergen & Passaic
$155,400 $181,300
Essex, Morris, Sussex, Union
$156,360 $182,420
MAXIMUM PURCHASE PRICE LIMITS
COUNTIES 1 - FAMILY 2 - FAMILY 3 - FAMILY 4 - FAMILY
Atlantic, Cumberland, Mercer, Warren $624,481 $799,563 $966,475 $1,201,130
$894,879 $1,081,750 $1,344,323
$1,441,111 $1,845,217 $2,230,334 $2,771,867
*Federal Housing Administration (FHA) & Veteran Administration (VA) maximum mortgage amounts prevail if more restrictive.
Limits are listed from lowest to highest
1-800-NJ-HOUSE • njhousing.gov
Effective Date 05.20.24
140%
$182,840
: Asbury Park, Freehold, Long Branch, West Long Branch
120%
Monmouth County
$156,720
For up-to-date information, 24-hours a day, visit us online at njhousing.gov • Updated 05.20.24
Lower, West Wildwood, Wildwood Crest
Mercer
Monmouth & O cean
Cape May County:
$204,680
$175,440
Hunterdon, Middlesex & Somerset
$699,046
Burlington, Camden, Cap e May
Gloucester & Salem
Bergen, Essex, Hudson, Hunterdon,
Middlesex, Monmouth, Morris, Ocean,
Passaic, Somerset, Sussex, Union