New Jersey Income Limits FY2026
HUD sets income limits for each New Jersey area every year to determine who qualifies for Section 8 Housing Choice Vouchers, public housing, and other federal housing assistance. The table below shows the FY2026 thresholds at 30%, 50%, and 80% of Area Median Income (AMI) for a four-person household in every New Jersey HUD area. Select an area for the full breakdown by household size, including the 60% AMI tier used for LIHTC housing.
| Area | Median Income | 30% AMI (4p) | 50% AMI (4p) | 80% AMI (4p) |
|---|---|---|---|---|
| Atlantic City-Hammonton, NJ MSA | $97,500 | $33,000 | $54,400 | $87,050 |
| Atlantic City-Hammonton, NJ MSA | $97,500 | $33,000 | $54,400 | $87,050 |
| Bergen-Passaic, NJ HUD Metro FMR Area | $139,100 | $41,750 | $69,550 | $108,400 |
| Bergen-Passaic, NJ HUD Metro FMR Area | $139,100 | $41,750 | $69,550 | $108,400 |
| Bergen-Passaic, NJ HUD Metro FMR Area | $139,100 | $41,750 | $69,550 | $108,400 |
| Cape May County, NJ HUD Metro FMR Area | $115,800 | $34,750 | $57,900 | $92,650 |
| Jersey City, NJ HUD Metro FMR Area | $110,100 | $44,200 | $73,700 | $117,900 |
| Jersey City, NJ HUD Metro FMR Area | $110,100 | $44,200 | $73,700 | $117,900 |
| Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area | $154,800 | $46,450 | $77,400 | $114,600 |
| Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area | $154,800 | $46,450 | $77,400 | $114,600 |
| Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area | $154,800 | $46,450 | $77,400 | $114,600 |
| Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area | $154,800 | $46,450 | $77,400 | $114,600 |
| Monmouth-Ocean, NJ HUD Metro FMR Area | $140,600 | $42,200 | $70,300 | $108,550 |
| Monmouth-Ocean, NJ HUD Metro FMR Area | $140,600 | $42,200 | $70,300 | $108,550 |
| Monmouth-Ocean, NJ HUD Metro FMR Area | $140,600 | $42,200 | $70,300 | $108,550 |
| Newark, NJ HUD Metro FMR Area | $138,400 | $41,500 | $69,200 | $106,800 |
| Newark, NJ HUD Metro FMR Area | $138,400 | $41,500 | $69,200 | $106,800 |
| Newark, NJ HUD Metro FMR Area | $138,400 | $41,500 | $69,200 | $106,800 |
| Newark, NJ HUD Metro FMR Area | $138,400 | $41,500 | $69,200 | $106,800 |
| Newark, NJ HUD Metro FMR Area | $138,400 | $41,500 | $69,200 | $106,800 |
| Ocean City, NJ MSA | $115,800 | $34,750 | $57,900 | $92,650 |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | $122,700 | $36,800 | $61,350 | $98,150 |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | $122,700 | $36,800 | $61,350 | $98,150 |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | $122,700 | $36,800 | $61,350 | $98,150 |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | $122,700 | $36,800 | $61,350 | $98,150 |
| Trenton, NJ MSA | $139,800 | $41,850 | $69,750 | $106,800 |
| Trenton, NJ MSA | $139,800 | $41,850 | $69,750 | $106,800 |
| Vineland-Bridgeton, NJ MSA | $89,100 | $33,000 | $48,750 | $78,000 |
| Vineland-Bridgeton, NJ MSA | $89,100 | $33,000 | $48,750 | $78,000 |
| Warren County, NJ HUD Metro FMR Area | $127,900 | $38,350 | $63,950 | $102,300 |
| Warren County, NJ HUD Metro FMR Area | $127,900 | $38,350 | $63,950 | $102,300 |
Understanding New Jersey income limits
Income limits vary widely across New Jersey because each one is tied to its local area median income, not a single statewide figure. A household that earns too much to qualify in a lower-cost rural county may still qualify in a higher-cost metro. HUD publishes new limits each spring, and they take effect for the federal fiscal year.
- 30% AMI (Extremely Low Income) — the threshold for the highest-priority Section 8 and public housing waitlists.
- 50% AMI (Very Low Income) — the standard eligibility ceiling for the Housing Choice Voucher program.
- 80% AMI (Low Income) — used for many affordable-housing and HOME-funded programs.
The figures above are for a four-person household. Limits scale by household size — roughly 70% of the four-person figure for a single person, rising to about 132% for an eight-person household. Open any area for the complete household-size table and the 60% AMI tier.