What are the loan limits in each New York county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Albany County | $832,750 | $541,287 | $693,050 | $277,400 |
| Allegany County | $832,750 | $541,287 | $693,050 | $97,900 |
| Bronx County | $1,209,750 | $1,249,125 | $1,599,375 | $517,000 |
| Broome County | $832,750 | $541,287 | $693,050 | $145,100 |
| Cattaraugus County | $832,750 | $541,287 | $693,050 | $109,400 |
| Cayuga County | $832,750 | $541,287 | $693,050 | $164,200 |
| Chautauqua County | $832,750 | $541,287 | $693,050 | $119,300 |
| Chemung County | $832,750 | $541,287 | $693,050 | $132,100 |
| Chenango County | $832,750 | $541,287 | $693,050 | $128,100 |
| Clinton County | $832,750 | $541,287 | $693,050 | $175,100 |
| Columbia County | $832,750 | $541,287 | $693,050 | $309,800 |
| Cortland County | $832,750 | $541,287 | $693,050 | $158,100 |
| Delaware County | $832,750 | $541,287 | $693,050 | $176,200 |
| Dutchess County | $832,750 | $541,287 | $693,050 | $368,100 |
| Erie County | $832,750 | $541,287 | $693,050 | $217,400 |
| Essex County | $832,750 | $541,287 | $693,050 | $200,000 |
| Franklin County | $832,750 | $541,287 | $693,050 | $128,600 |
| Fulton County | $832,750 | $541,287 | $693,050 | $156,100 |
| Genesee County | $832,750 | $541,287 | $693,050 | $157,800 |
| Greene County | $832,750 | $541,287 | $693,050 | $248,300 |
| Hamilton County | $832,750 | $541,287 | $693,050 | $242,000 |
| Herkimer County | $832,750 | $541,287 | $693,050 | $135,000 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $181,000 |
| Kings County | $1,209,750 | $1,249,125 | $1,599,375 | $889,700 |
| Lewis County | $832,750 | $541,287 | $693,050 | $158,000 |
| Livingston County | $832,750 | $541,287 | $693,050 | $169,600 |
| Madison County | $832,750 | $541,287 | $693,050 | $176,800 |
| Monroe County | $832,750 | $541,287 | $693,050 | $197,100 |
| Montgomery County | $832,750 | $541,287 | $693,050 | $141,600 |
| Nassau County | $1,209,750 | $1,249,125 | $1,599,375 | $658,700 |
| New York County | $1,209,750 | $1,249,125 | $1,599,375 | $1,108,900 |
| Niagara County | $832,750 | $541,287 | $693,050 | $177,400 |
| Oneida County | $832,750 | $541,287 | $693,050 | $171,100 |
| Onondaga County | $832,750 | $541,287 | $693,050 | $185,300 |
| Ontario County | $832,750 | $541,287 | $693,050 | $202,900 |
| Orange County | $832,750 | $541,287 | $693,050 | $361,100 |
| Orleans County | $832,750 | $541,287 | $693,050 | $126,200 |
| Oswego County | $832,750 | $541,287 | $693,050 | $139,600 |
| Otsego County | $832,750 | $541,287 | $693,050 | $175,900 |
| Putnam County | $1,209,750 | $1,249,125 | $1,599,375 | $448,000 |
| Queens County | $1,209,750 | $1,249,125 | $1,599,375 | $699,200 |
| Rensselaer County | $832,750 | $541,287 | $693,050 | $244,300 |
| Richmond County | $1,209,750 | $1,249,125 | $1,599,375 | $658,500 |
| Rockland County | $1,209,750 | $1,249,125 | $1,599,375 | $564,200 |
| Saratoga County | $832,750 | $541,287 | $693,050 | $324,800 |
| Schenectady County | $832,750 | $541,287 | $693,050 | $223,100 |
| Schoharie County | $832,750 | $541,287 | $693,050 | $182,000 |
| Schuyler County | $832,750 | $541,287 | $693,050 | $163,300 |
| Seneca County | $832,750 | $541,287 | $693,050 | $142,700 |
| St. Lawrence County | $832,750 | $541,287 | $693,050 | $119,800 |
| Steuben County | $832,750 | $541,287 | $693,050 | $128,600 |
| Suffolk County | $1,209,750 | $1,249,125 | $1,599,375 | $539,500 |
| Sullivan County | $832,750 | $541,287 | $693,050 | $234,800 |
| Tioga County | $832,750 | $541,287 | $693,050 | $153,200 |
| Tompkins County | $832,750 | $541,287 | $693,050 | $271,500 |
| Ulster County | $832,750 | $541,287 | $693,050 | $315,100 |
| Warren County | $832,750 | $541,287 | $693,050 | $247,600 |
| Washington County | $832,750 | $541,287 | $693,050 | $185,000 |
| Wayne County | $832,750 | $541,287 | $693,050 | $163,400 |
| Westchester County | $1,209,750 | $1,249,125 | $1,599,375 | $638,400 |
| Wyoming County | $832,750 | $541,287 | $693,050 | $154,700 |
| Yates County | $832,750 | $541,287 | $693,050 | $178,000 |
Which New York counties are high-cost areas?
Bronx County, Kings County, Nassau County, New York County, Putnam County, Queens County, Richmond County, Rockland County, Suffolk County, Westchester County have conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in New York
Frequently asked questions
FHA one-unit limits in New York start at $541,287. In Kings County, the most populous county, it's $1,249,125.
The 2026 one-unit conforming limit in Kings County is $1,209,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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