Loan Limits / New York
2026 Loan Limits · NY
New York loan limits.
All 62 counties in New York with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
62 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Albany | $421,000 | $832,750 | Standard | $541,287 | Standard |
| Allegany | $114,000 | $832,750 | Standard | $541,287 | Standard |
| Bronx | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Broome | $174,000 | $832,750 | Standard | $541,287 | Standard |
| Cattaraugus | $130,000 | $832,750 | Standard | $541,287 | Standard |
| Cayuga | $180,000 | $832,750 | Standard | $541,287 | Standard |
| Chautauqua | $150,000 | $832,750 | Standard | $541,287 | Standard |
| Chemung | $140,000 | $832,750 | Standard | $541,287 | Standard |
| Chenango | $120,000 | $832,750 | Standard | $541,287 | Standard |
| Clinton | $185,000 | $832,750 | Standard | $541,287 | Standard |
| Columbia | $352,000 | $832,750 | Standard | $541,287 | Standard |
| Cortland | $180,000 | $832,750 | Standard | $541,287 | Standard |
| Delaware | $190,000 | $832,750 | Standard | $541,287 | Standard |
| Dutchess | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Erie | $261,000 | $832,750 | Standard | $541,287 | Standard |
| Essex | $229,000 | $832,750 | Standard | $541,287 | Standard |
| Franklin | $130,000 | $832,750 | Standard | $541,287 | Standard |
| Fulton | $168,000 | $832,750 | Standard | $541,287 | Standard |
| Genesee | $185,000 | $832,750 | Standard | $541,287 | Standard |
| Greene | $282,000 | $832,750 | Standard | $541,287 | Standard |
| Hamilton | $211,000 | $832,750 | Standard | $541,287 | Standard |
| Herkimer | $185,000 | $832,750 | Standard | $541,287 | Standard |
| Jefferson | $190,000 | $832,750 | Standard | $541,287 | Standard |
| Kings | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Lewis | $134,000 | $832,750 | Standard | $541,287 | Standard |
| Livingston | $290,000 | $832,750 | Standard | $541,287 | Standard |
| Madison | $240,000 | $832,750 | Standard | $541,287 | Standard |
| Monroe | $290,000 | $832,750 | Standard | $541,287 | Standard |
| Montgomery | $175,000 | $832,750 | Standard | $541,287 | Standard |
| Nassau | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| New York | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Niagara | $261,000 | $832,750 | Standard | $541,287 | Standard |
| Oneida | $185,000 | $832,750 | Standard | $541,287 | Standard |
| Onondaga | $240,000 | $832,750 | Standard | $541,287 | Standard |
| Ontario | $290,000 | $832,750 | Standard | $541,287 | Standard |
| Orange | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Orleans | $290,000 | $832,750 | Standard | $541,287 | Standard |
| Oswego | $240,000 | $832,750 | Standard | $541,287 | Standard |
| Otsego | $170,000 | $832,750 | Standard | $541,287 | Standard |
| Putnam | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Queens | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Rensselaer | $421,000 | $832,750 | Standard | $541,287 | Standard |
| Richmond | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Rockland | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Saratoga | $421,000 | $832,750 | Standard | $541,287 | Standard |
| Schenectady | $421,000 | $832,750 | Standard | $541,287 | Standard |
| Schoharie | $421,000 | $832,750 | Standard | $541,287 | Standard |
| Schuyler | $160,000 | $832,750 | Standard | $541,287 | Standard |
| Seneca | $175,000 | $832,750 | Standard | $541,287 | Standard |
| St. Lawrence | $125,000 | $832,750 | Standard | $541,287 | Standard |
| Steuben | $145,000 | $832,750 | Standard | $541,287 | Standard |
| Suffolk | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Sullivan | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Tioga | $174,000 | $832,750 | Standard | $541,287 | Standard |
| Tompkins | $315,000 | $832,750 | Standard | $541,287 | Standard |
| Ulster | $393,000 | $832,750 | Standard | $541,287 | Standard |
| Warren | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Washington | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Wayne | $290,000 | $832,750 | Standard | $541,287 | Standard |
| Westchester | $996,000 | $1,209,750 | High-cost | $1,249,125 | High-cost |
| Wyoming | $161,000 | $832,750 | Standard | $541,287 | Standard |
| Yates | $200,000 | $832,750 | Standard | $541,287 | Standard |
New York at a glance
62 counties indexed. 10 are designated high-cost by HUD or FHFA. The highest GSE 1-unit limit in New York is $1,209,750 in Bronx County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in New York.