Limits for 2026 · updated 2026-10-29
New York loan limits 2026
10 of 62 counties in New York are high-cost areas with a conforming limit above the $832,750 baseline — the highest is $1,209,750 in 10 counties, including Bronx County, Kings County, New York County. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
Baseline ($832,750) 5225%+ above 10
All counties
| Bronx County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,971 |
| Kings County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,971 |
| Nassau County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,689 |
| New York County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,971 |
| Putnam County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,971 |
| Queens County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,971 |
| Richmond County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,971 |
| Rockland County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,971 |
| Suffolk County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,689 |
| Westchester County | $1,209,750 | 0% | $1,249,125 | $996,000 | $2,971 |
| Albany County | $832,750 | +3.3% | $541,287 | $421,000 | $1,711 |
| Allegany County | $832,750 | +3.3% | $541,287 | $114,000 | $1,014 |
| Broome County | $832,750 | +3.3% | $541,287 | $174,000 | $1,219 |
| Cattaraugus County | $832,750 | +3.3% | $541,287 | $130,000 | $1,014 |
| Cayuga County | $832,750 | +3.3% | $541,287 | $180,000 | $1,074 |
| Chautauqua County | $832,750 | +3.3% | $541,287 | $150,000 | $1,014 |
| Chemung County | $832,750 | +3.3% | $541,287 | $140,000 | $1,348 |
| Chenango County | $832,750 | +3.3% | $541,287 | $120,000 | $1,014 |
| Clinton County | $832,750 | +3.3% | $541,287 | $185,000 | $1,205 |
| Columbia County | $832,750 | +3.3% | $541,287 | $352,000 | $1,503 |
| Cortland County | $832,750 | +3.3% | $541,287 | $180,000 | $1,171 |
| Delaware County | $832,750 | +3.3% | $541,287 | $190,000 | $1,017 |
| Dutchess County | $832,750 | +3.3% | $541,287 | $440,000 | $2,131 |
| Erie County | $832,750 | +3.3% | $541,287 | $261,000 | $1,423 |
| Essex County | $832,750 | +3.3% | $541,287 | $229,000 | $1,171 |
| Franklin County | $832,750 | +3.3% | $541,287 | $130,000 | $1,014 |
| Fulton County | $832,750 | +3.3% | $541,287 | $168,000 | $1,051 |
| Genesee County | $832,750 | +3.3% | $541,287 | $185,000 | $1,113 |
| Greene County | $832,750 | +3.3% | $541,287 | $282,000 | $1,354 |
| Hamilton County | $832,750 | +3.3% | $541,287 | $211,000 | $1,287 |
| Herkimer County | $832,750 | +3.3% | $541,287 | $185,000 | $1,210 |
| Jefferson County | $832,750 | +3.3% | $541,287 | $190,000 | $1,453 |
| Lewis County | $832,750 | +3.3% | $541,287 | $134,000 | $1,014 |
| Livingston County | $832,750 | +3.3% | $541,287 | $290,000 | $1,416 |
| Madison County | $832,750 | +3.3% | $541,287 | $240,000 | $1,493 |
| Monroe County | $832,750 | +3.3% | $541,287 | $290,000 | $1,416 |
| Montgomery County | $832,750 | +3.3% | $541,287 | $175,000 | $1,111 |
| Niagara County | $832,750 | +3.3% | $541,287 | $261,000 | $1,423 |
| Oneida County | $832,750 | +3.3% | $541,287 | $185,000 | $1,210 |
| Onondaga County | $832,750 | +3.3% | $541,287 | $240,000 | $1,493 |
| Ontario County | $832,750 | +3.3% | $541,287 | $290,000 | $1,416 |
| Orange County | $832,750 | +3.3% | $541,287 | $440,000 | $2,131 |
| Orleans County | $832,750 | +3.3% | $541,287 | $290,000 | $1,416 |
| Oswego County | $832,750 | +3.3% | $541,287 | $240,000 | $1,493 |
| Otsego County | $832,750 | +3.3% | $541,287 | $170,000 | $1,235 |
| Rensselaer County | $832,750 | +3.3% | $541,287 | $421,000 | $1,711 |
| Saratoga County | $832,750 | +3.3% | $541,287 | $421,000 | $1,711 |
| Schenectady County | $832,750 | +3.3% | $541,287 | $421,000 | $1,711 |
| Schoharie County | $832,750 | +3.3% | $541,287 | $421,000 | $1,711 |
| Schuyler County | $832,750 | +3.3% | $541,287 | $160,000 | $1,180 |
| Seneca County | $832,750 | +3.3% | $541,287 | $175,000 | $1,145 |
| St. Lawrence County | $832,750 | +3.3% | $541,287 | $125,000 | $1,041 |
| Steuben County | $832,750 | +3.3% | $541,287 | $145,000 | $1,058 |
| Sullivan County | $832,750 | +3.3% | $541,287 | $280,000 | $1,299 |
| Tioga County | $832,750 | +3.3% | $541,287 | $174,000 | $1,219 |
| Tompkins County | $832,750 | +3.3% | $541,287 | $315,000 | $1,709 |
| Ulster County | $832,750 | +3.3% | $541,287 | $393,000 | $1,878 |
| Warren County | $832,750 | +3.3% | $541,287 | $280,000 | $1,347 |
| Washington County | $832,750 | +3.3% | $541,287 | $280,000 | $1,347 |
| Wayne County | $832,750 | +3.3% | $541,287 | $290,000 | $1,416 |
| Wyoming County | $832,750 | +3.3% | $541,287 | $161,000 | $1,014 |
| Yates County | $832,750 | +3.3% | $541,287 | $200,000 | $1,057 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 New York for 2026?
$832,750 in most counties; 10 high-cost counties have higher limits, up to $1,209,750 in Bronx County.
What is the FHA loan limit in New York?
From $541,287 to $1,249,125 for a single-family home in 2026, depending on the county.