LoanGraphs

New York Loan Limits & Housing Market

2026 conforming and FHA loan limits for all 62 New York counties, plus monthly housing market data and affordability analysis.

NY

Conforming Limit (1-Unit)

$832,750

2026 baseline

Counties

62

With loan limit data

Data Coverage

Monthly

Updated with latest data

New York Counties

County FIPS Code Conforming Limit (1-Unit)
Albany County36001$832,750
Allegany County36003$832,750
Bronx County36005$1,209,750
Broome County36007$832,750
Cattaraugus County36009$832,750
Cayuga County36011$832,750
Chautauqua County36013$832,750
Chemung County36015$832,750
Chenango County36017$832,750
Clinton County36019$832,750
Columbia County36021$832,750
Cortland County36023$832,750
Delaware County36025$832,750
Dutchess County36027$832,750
Erie County36029$832,750
Essex County36031$832,750
Franklin County36033$832,750
Fulton County36035$832,750
Genesee County36037$832,750
Greene County36039$832,750
Hamilton County36041$832,750
Herkimer County36043$832,750
Jefferson County36045$832,750
Kings County36047$1,209,750
Lewis County36049$832,750
Livingston County36051$832,750
Madison County36053$832,750
Monroe County36055$832,750
Montgomery County36057$832,750
Nassau County36059$1,209,750
New York County36061$1,209,750
Niagara County36063$832,750
Oneida County36065$832,750
Onondaga County36067$832,750
Ontario County36069$832,750
Orange County36071$832,750
Orleans County36073$832,750
Oswego County36075$832,750
Otsego County36077$832,750
Putnam County36079$1,209,750
Queens County36081$1,209,750
Rensselaer County36083$832,750
Richmond County36085$1,209,750
Rockland County36087$1,209,750
Saratoga County36091$832,750
Schenectady County36093$832,750
Schoharie County36095$832,750
Schuyler County36097$832,750
Seneca County36099$832,750
St. Lawrence County36089$832,750
Steuben County36101$832,750
Suffolk County36103$1,209,750
Sullivan County36105$832,750
Tioga County36107$832,750
Tompkins County36109$832,750
Ulster County36111$832,750
Warren County36113$832,750
Washington County36115$832,750
Wayne County36117$832,750
Westchester County36119$1,209,750
Wyoming County36121$832,750
Yates County36123$832,750

Mortgage Calculator

Estimate your monthly payment for a home in New York.

%
%

Estimated Monthly Payment

$2,935

Principal & Interest$2,335
Property Tax$450
Insurance$150
Loan Amount$360,000
Total Interest$480,582
Income Required$125,784/yr

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