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FHA loans in Commack, NY

Quick answer

The 2026 FHA loan limit in Commack, NY (Suffolk County) is $1,249,125 for a single-family home, enough for a purchase price up to about $1,294,000 with 3.5% down. On the $647,000 median home value, that down payment is about $22,645 and the estimated payment is $5,603/month at 7.18%, which needs roughly $241,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $170,375; value-to-income ratio 3.80. Commack ranks 38 by home value and 30 by population among 202 places in our NY dataset.

What does an FHA loan cost on a typical Commack home?

ItemCommack
Median home value (Census ACS)$647,000
New York median home value$403,000
Down payment (3.5%)$22,645
Loan incl. 1.75% upfront MIP$635,281
Estimated monthly payment (PITI + MI)$5,603
Income needed (28% / 36%)$241,000 / $187,000
Suffolk County 2026 FHA limit (1 unit)$1,249,125
Max purchase price at the limit$1,294,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes New York's 1.60% effective property tax rate (Census ACS), $1,801/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Commack?

Commack is in Suffolk County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $1,249,125. With the minimum 3.5% down, that caps the purchase price at about $1,294,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $1,209,750).

The Commack median home value of $647,000 is 61% above the New York median, and within what the county limit supports.

Which down payment assistance programs can Commack buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Commack

Commack is in Suffolk County, where HUD's 2026 FHA limit for a one-unit home is $1,249,125. With 3.5% down, that supports a purchase price up to about $1,294,000.

3.5% of $647,000 is about $22,645 with a 580+ credit score (10%, or $64,700, with a 500–579 score), plus closing costs.

At the $647,000 median value (above the New York median of $403,000), the estimated payment of $5,603/month at 7.18% needs about $241,000 a year under the 28% housing guideline, or $187,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.