New York · 2026
New York 2026 FHA and conforming loan limits
For a one-unit home in New York, the 2026 conforming limit is $832,750 to $1,209,750 and the FHA limit is $541,287 to $1,249,125. FHA limits rose in 62 of 62 counties from 2025.
| County | Conforming 1 unit | Conforming 2 units | FHA 1 unit | FHA 2 units | FHA 3 units | FHA 4 units | FHA vs 2025 |
|---|---|---|---|---|---|---|---|
| Albany County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Allegany County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Bronx County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Broome County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Cattaraugus County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Cayuga County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Chautauqua County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Chemung County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Chenango County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Clinton County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Columbia County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Cortland County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Delaware County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Dutchess County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Erie County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Essex County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Franklin County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Fulton County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Genesee County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Greene County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Hamilton County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Herkimer County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Jefferson County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Kings County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Lewis County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Livingston County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Madison County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Monroe County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Montgomery County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Nassau County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| New York County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Niagara County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Oneida County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Onondaga County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Ontario County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Orange County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Orleans County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Oswego County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Otsego County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Putnam County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Queens County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Rensselaer County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Richmond County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Rockland County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| St. Lawrence County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Saratoga County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Schenectady County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Schoharie County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Schuyler County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Seneca County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Steuben County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Suffolk County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Sullivan County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Tioga County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Tompkins County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Ulster County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Warren County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Washington County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Wayne County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Westchester County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Wyoming County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Yates County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
Conforming limits: FHFA (2026). FHA forward-mortgage limits: HUD (2026 case numbers). Each county page adds 2025 mortgage activity.
Counts: 62 counties and county-equivalents.