New York loan limits 2026 by county
In 2026, 10 of the 62 counties in New York have a conforming loan limit above the $832,750 national baseline; the highest is $1,209,750 for a one-unit home in 10 counties. FHA limits run from $541,287 to $1,249,125: 10 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every New York county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Albany County | $832,750 | $541,287 | Albany-Schenectady-Troy, NY |
| Allegany County | $832,750 | $541,287 | Non-Metro |
| Bronx County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Broome County | $832,750 | $541,287 | Binghamton, NY |
| Cattaraugus County | $832,750 | $541,287 | Olean, NY |
| Cayuga County | $832,750 | $541,287 | Auburn, NY |
| Chautauqua County | $832,750 | $541,287 | Jamestown-Dunkirk, NY |
| Chemung County | $832,750 | $541,287 | Elmira, NY |
| Chenango County | $832,750 | $541,287 | Non-Metro |
| Clinton County | $832,750 | $541,287 | Plattsburgh, NY |
| Columbia County | $832,750 | $541,287 | Hudson, NY |
| Cortland County | $832,750 | $541,287 | Cortland, NY |
| Delaware County | $832,750 | $541,287 | Non-Metro |
| Dutchess County | $832,750 | $541,287 | Kiryas Joel-Poughkeepsie-Newburgh, NY |
| Erie County | $832,750 | $541,287 | Buffalo-Cheektowaga, NY |
| Essex County | $832,750 | $541,287 | Non-Metro |
| Franklin County | $832,750 | $541,287 | Non-Metro |
| Fulton County | $832,750 | $541,287 | Gloversville, NY |
| Genesee County | $832,750 | $541,287 | Batavia, NY |
| Greene County | $832,750 | $541,287 | Non-Metro |
| Hamilton County | $832,750 | $541,287 | Non-Metro |
| Herkimer County | $832,750 | $541,287 | Utica-Rome, NY |
| Jefferson County | $832,750 | $541,287 | Watertown-Fort Drum, NY |
| Kings County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Lewis County | $832,750 | $541,287 | Non-Metro |
| Livingston County | $832,750 | $541,287 | Rochester, NY |
| Madison County | $832,750 | $541,287 | Syracuse, NY |
| Monroe County | $832,750 | $541,287 | Rochester, NY |
| Montgomery County | $832,750 | $541,287 | Amsterdam, NY |
| Nassau County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| New York County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Niagara County | $832,750 | $541,287 | Buffalo-Cheektowaga, NY |
| Oneida County | $832,750 | $541,287 | Utica-Rome, NY |
| Onondaga County | $832,750 | $541,287 | Syracuse, NY |
| Ontario County | $832,750 | $541,287 | Rochester, NY |
| Orange County | $832,750 | $541,287 | Kiryas Joel-Poughkeepsie-Newburgh, NY |
| Orleans County | $832,750 | $541,287 | Rochester, NY |
| Oswego County | $832,750 | $541,287 | Syracuse, NY |
| Otsego County | $832,750 | $541,287 | Oneonta, NY |
| Putnam County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Queens County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Rensselaer County | $832,750 | $541,287 | Albany-Schenectady-Troy, NY |
| Richmond County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Rockland County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Saratoga County | $832,750 | $541,287 | Albany-Schenectady-Troy, NY |
| Schenectady County | $832,750 | $541,287 | Albany-Schenectady-Troy, NY |
| Schoharie County | $832,750 | $541,287 | Albany-Schenectady-Troy, NY |
| Schuyler County | $832,750 | $541,287 | Non-Metro |
| Seneca County | $832,750 | $541,287 | Seneca Falls, NY |
| St. Lawrence County | $832,750 | $541,287 | Massena-Ogdensburg, NY |
| Steuben County | $832,750 | $541,287 | Corning, NY |
| Suffolk County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Sullivan County | $832,750 | $541,287 | Monticello, NY |
| Tioga County | $832,750 | $541,287 | Binghamton, NY |
| Tompkins County | $832,750 | $541,287 | Ithaca, NY |
| Ulster County | $832,750 | $541,287 | Kingston, NY |
| Warren County | $832,750 | $541,287 | Glens Falls, NY |
| Washington County | $832,750 | $541,287 | Glens Falls, NY |
| Wayne County | $832,750 | $541,287 | Rochester, NY |
| Westchester County | $1,209,750 | $1,249,125 | New York-Newark-Jersey City, NY-NJ |
| Wyoming County | $832,750 | $541,287 | Non-Metro |
| Yates County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in New York
Bronx County ($1,249,125), Kings County ($1,249,125), Nassau County ($1,249,125), New York County ($1,249,125) and Putnam County ($1,249,125). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in New York
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- New York fair market rentsHUD Fair Market Rents for every New York county, studios to 4 bedrooms.
- New York property tax ratesEffective property tax rate for every New York county from survey data.
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Questions about New York loan limits
What are the FHA loan limits in New York for 2026?
$541,287 to $1,249,125 for a one-unit home, depending on the county. 10 counties are above the national floor of $541,287, led by Bronx County ($1,249,125), Kings County ($1,249,125) and Nassau County ($1,249,125); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in New York for 2026?
$832,750 to $1,209,750 for a one-unit home, by county; 10 counties are above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in New York?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 to $1,209,750 in New York for 2026: 25 percent of that limit minus the entitlement already used.
Which New York counties have the highest loan limits?
Conforming: Bronx County at $1,209,750. FHA: Bronx County at $1,249,125. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/new-york. Not lending advice.