Schoharie County, New York loan limits 2026
FIPS 36095 · 19 ZIP codes, e.g. 12031, 12035, 12036, 12043, 12071, 12073 · metro area (CBSA) 10580
In Schoharie 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 Schoharie 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. Schoharie County is in metro area CBSA 10580; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $123,100 · Albany-Schenectady-Troy, NY MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $68,950 | $78,800 | $88,650 | $98,500 | $106,400 | $114,300 | $122,150 | $130,050 |
| Very low income (50%) | $43,100 | $49,250 | $55,400 | $61,550 | $66,500 | $71,400 | $76,350 | $81,250 |
| Extremely low income (30%) | $25,900 | $29,600 | $33,300 | $36,950 | $39,950 | $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 | $1,238/mo | $1,217 | +1.7% |
| 1 bedroom | $1,425/mo | $1,417 | +0.6% |
| 2 bedrooms | $1,711/mo | $1,702 | +0.5% |
| 3 bedrooms | $2,039/mo | $2,041 | -0.1% |
| 4 bedrooms | $2,249/mo | $2,253 | -0.2% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Albany-Schenectady-Troy, NY MSA.
Same metro area
Counties in CBSA 10580 share the same loan limits.
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 Schoharie 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 Schoharie 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 Schoharie County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Schoharie County in 2026.
What are the HUD income limits in Schoharie County?
For a family of four (FY2026): low income $98,500, very low income $61,550, extremely low income $36,950; area median family income $123,100.
What is the fair market rent in Schoharie County?
$1,711 a month for a two-bedroom unit in FY2027 (HUD), $1,425 for one bedroom.