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2026 New York loan limits by county
New York has 62 counties in the 2026 FHFA list. The highest one-unit conforming limit is $1,209,750 in Westchester County; the state median is $832,750. 10 of 62 are above the $832,750 national baseline. 52 sit at the 2026 FHA floor of $541,287.
- 62Counties listed
- $1,209,750Highest 1-unit conformingWestchester County
- $832,750Median 1-unit conforming
- 52At FHA floorof 62
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Albany County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Allegany County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bronx County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Broome County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cattaraugus County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cayuga County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chautauqua County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chemung County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chenango County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clinton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Columbia County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cortland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Delaware County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dutchess County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Erie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Essex County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fulton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Genesee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Greene County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hamilton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Herkimer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jefferson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kings County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Lewis County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Livingston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Madison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Monroe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Montgomery County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nassau County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| New York County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Niagara County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Oneida County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Onondaga County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ontario County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Orange County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Orleans County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Oswego County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Otsego County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Putnam County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Queens County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Rensselaer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Richmond County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Rockland County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Saratoga County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Schenectady County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Schoharie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Schuyler County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Seneca County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| St. Lawrence County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Steuben County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Suffolk County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Sullivan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tioga County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tompkins County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ulster County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Warren County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wayne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Westchester County | $1,209,750 | no change | $1,249,125 | $2,326,875 |
| Wyoming County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Yates County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.