2026 Conforming Loan Limits in New York

Name: 2026 Conforming Loan Limits in New York
Creator: Federal Housing Finance Agency

New York has 62 counties with conforming loan limits, including 10 high-cost areas. Limits range from $832,750 to $1,209,750.

County	1-Unit Limit	2-Unit Limit	3-Unit Limit	4-Unit Limit
ROCKLAND COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
BRONX COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
NASSAU COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
NEW YORK COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
PUTNAM COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
QUEENS COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
KINGS COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
WESTCHESTER COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
RICHMOND COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
SUFFOLK COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
CORTLAND COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
DELAWARE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
DUTCHESS COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ERIE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ESSEX COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
FRANKLIN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
FULTON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
GENESEE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
GREENE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
HAMILTON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
HERKIMER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
JEFFERSON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
LEWIS COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
LIVINGSTON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MADISON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MONROE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MONTGOMERY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
NIAGARA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ONEIDA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ONONDAGA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ONTARIO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ORANGE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ORLEANS COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
OSWEGO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
OTSEGO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
RENSSELAER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ST. LAWRENCE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SARATOGA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SCHENECTADY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SCHOHARIE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SCHUYLER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SENECA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
STEUBEN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SULLIVAN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
TIOGA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
TOMPKINS COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ULSTER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
WARREN COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
WASHINGTON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
WAYNE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
WYOMING COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ALBANY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
YATES COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ALLEGANY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BROOME COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CATTARAUGUS COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CAYUGA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CHAUTAUQUA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CHEMUNG COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CHENANGO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CLINTON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
COLUMBIA COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750

Source: Federal Housing Finance Agency (FHFA). Sorted by 1-unit limit descending. High-cost areas highlighted.

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Loan limits are set by the FHFA and may change annually. This page is for educational purposes only. Consult a licensed mortgage professional for guidance. Wirly is not a lender or mortgage broker.