New York Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 62 counties in New York. FHA limits in this state range from $541,287 to $786,337, while conforming limits range from $832,750 to $1,209,750.
2026 Loan Limits by County in New York
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Albany County | $541,287 | $832,750 | $294,600 |
| 2 | Allegany County | $541,287 | $832,750 | $101,700 |
| 3 | Bronx County | $786,337 | $1,209,750 | $529,500 |
| 4 | Broome County | $541,287 | $832,750 | $154,900 |
| 5 | Cattaraugus County | $541,287 | $832,750 | $113,100 |
| 6 | Cayuga County | $541,287 | $832,750 | $171,000 |
| 7 | Chautauqua County | $541,287 | $832,750 | $127,900 |
| 8 | Chemung County | $541,287 | $832,750 | $141,100 |
| 9 | Chenango County | $541,287 | $832,750 | $137,900 |
| 10 | Clinton County | $541,287 | $832,750 | $180,600 |
| 11 | Columbia County | $541,287 | $832,750 | $347,100 |
| 12 | Cortland County | $541,287 | $832,750 | $162,100 |
| 13 | Delaware County | $541,287 | $832,750 | $183,100 |
| 14 | Dutchess County | $541,287 | $832,750 | $400,600 |
| 15 | Erie County | $541,287 | $832,750 | $233,800 |
| 16 | Essex County | $541,287 | $832,750 | $211,900 |
| 17 | Franklin County | $541,287 | $832,750 | $145,400 |
| 18 | Fulton County | $541,287 | $832,750 | $163,100 |
| 19 | Genesee County | $541,287 | $832,750 | $170,500 |
| 20 | Greene County | $541,287 | $832,750 | $271,600 |
| 21 | Hamilton County | $541,287 | $832,750 | $260,200 |
| 22 | Herkimer County | $541,287 | $832,750 | $147,700 |
| 23 | Jefferson County | $541,287 | $832,750 | $188,200 |
| 24 | Kings County | $786,337 | $1,209,750 | $905,000 |
| 25 | Lewis County | $541,287 | $832,750 | $166,100 |
| 26 | Livingston County | $541,287 | $832,750 | $174,600 |
| 27 | Madison County | $541,287 | $832,750 | $184,600 |
| 28 | Monroe County | $541,287 | $832,750 | $213,700 |
| 29 | Montgomery County | $541,287 | $832,750 | $157,500 |
| 30 | Nassau County | $786,337 | $1,209,750 | $684,700 |
| 31 | New York County | $786,337 | $1,209,750 | $1,090,500 |
| 32 | Niagara County | $541,287 | $832,750 | $189,800 |
| 33 | Oneida County | $541,287 | $832,750 | $182,600 |
| 34 | Onondaga County | $541,287 | $832,750 | $200,200 |
| 35 | Ontario County | $541,287 | $832,750 | $222,900 |
| 36 | Orange County | $541,287 | $832,750 | $387,900 |
| 37 | Orleans County | $541,287 | $832,750 | $140,800 |
| 38 | Oswego County | $541,287 | $832,750 | $151,700 |
| 39 | Otsego County | $541,287 | $832,750 | $179,100 |
| 40 | Putnam County | $786,337 | $1,209,750 | $471,300 |
| 41 | Queens County | $786,337 | $1,209,750 | $723,800 |
| 42 | Rensselaer County | $541,287 | $832,750 | $258,400 |
| 43 | Richmond County | $786,337 | $1,209,750 | $675,500 |
| 44 | Rockland County | $786,337 | $1,209,750 | $596,900 |
| 45 | Saratoga County | $541,287 | $832,750 | $348,600 |
| 46 | Schenectady County | $541,287 | $832,750 | $235,700 |
| 47 | Schoharie County | $541,287 | $832,750 | $192,500 |
| 48 | Schuyler County | $541,287 | $832,750 | $171,800 |
| 49 | Seneca County | $541,287 | $832,750 | $155,400 |
| 50 | St. Lawrence County | $541,287 | $832,750 | $121,900 |
| 51 | Steuben County | $541,287 | $832,750 | $137,900 |
| 52 | Suffolk County | $786,337 | $1,209,750 | $578,400 |
| 53 | Sullivan County | $541,287 | $832,750 | $249,000 |
| 54 | Tioga County | $541,287 | $832,750 | $160,800 |
| 55 | Tompkins County | $541,287 | $832,750 | $290,900 |
| 56 | Ulster County | $541,287 | $832,750 | $352,500 |
| 57 | Warren County | $541,287 | $832,750 | $267,400 |
| 58 | Washington County | $541,287 | $832,750 | $196,200 |
| 59 | Wayne County | $541,287 | $832,750 | $170,000 |
| 60 | Westchester County | $786,337 | $1,209,750 | $663,200 |
| 61 | Wyoming County | $541,287 | $832,750 | $162,300 |
| 62 | Yates County | $541,287 | $832,750 | $184,700 |
About New York's Mortgage Market
New York has 62 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in New York range from $541,287 to $786,337 for a single-family home. Conforming limits range from $832,750 to $1,209,750.
Use our mortgage calculator to compute monthly payments using New York-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in New York?
The highest 2026 FHA limit in New York is $786,337 for a single-family home.
What is the maximum conforming loan limit in New York?
The highest 2026 conforming loan limit in New York is $1,209,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in New York?
New York has 62 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.