Jersey City, NJ Mortgage Rates
Live Mortgage Rates in Jersey City, New Jersey
6.490%
Jersey City Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 3:03 PM UTC
Sourced live from hundreds of wholesale lenders serving Jersey City and New Jersey
Jersey City Benchmark Rates
Lowest available rate with no discount points paid in Jersey City, NJ for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Jersey City, NJ | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Jersey City, NJ | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Jersey City, NJ | 6.125% | 6.155% |
2026 Loan Limits in New Jersey
Conforming
$832,750 baseline
High-cost New Jersey counties go up to $1,249,125 - Jersey City may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost New Jersey counties allow more, up to $1,249,125 - check your specific county.
About Jersey City Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Jersey City, New Jersey homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving New Jersey and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Jersey City property.
Your specific Jersey City rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full New Jersey lender network, use the Rate Direct pricer.
Jersey City buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to New Jersey, see the New Jersey DPA guide.
Get your personalized Jersey City mortgage rate
The rates above are the market benchmark for Jersey City. Your actual rate depends on your scenario.