Essex County, New York loan limits 2026
FIPS 36031 · 30 ZIP codes, e.g. 12851, 12852, 12855, 12857, 12858, 12870
In Essex County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $541,287. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Essex County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $541,287 | +3.3% |
| 2 units | $1,066,250 | $693,050 | +3.3% |
| 3 units | $1,288,800 | $837,700 | +3.3% |
| 4 units | $1,601,750 | $1,041,125 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages.
HUD income limits FY2026
Area median family income: $94,200 · Essex County, NY
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $52,750 | $60,300 | $67,850 | $75,350 | $81,400 | $87,450 | $93,450 | $99,500 |
| Very low income (50%) | $33,000 | $37,700 | $42,400 | $47,100 | $50,900 | $54,650 | $58,450 | $62,200 |
| Extremely low income (30%) | $19,800 | $22,600 | $27,320 | $33,000 | $38,680 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $858/mo | $891 | -3.7% |
| 1 bedroom | $895/mo | $903 | -0.9% |
| 2 bedrooms | $1,171/mo | $1,185 | -1.2% |
| 3 bedrooms | $1,425/mo | $1,455 | -2.1% |
| 4 bedrooms | $1,631/mo | $1,645 | -0.9% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Essex County, NY.
Other counties in New York
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Essex County, NY for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Essex County?
$541,287 for a single-family home in 2026 (HUD), up to $1,041,125 for a four-unit property.
What counts as a jumbo loan in Essex County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Essex County in 2026.
What are the HUD income limits in Essex County?
For a family of four (FY2026): low income $75,350, very low income $47,100, extremely low income $33,000; area median family income $94,200.
What is the fair market rent in Essex County?
$1,171 a month for a two-bedroom unit in FY2027 (HUD), $895 for one bedroom.