Suffolk County, New York has a 2026 one-unit conforming loan limit of $1,209,750, which is 2.1 times the county's median home value of $578,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $130,686 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $1,209,750 |
| 2-unit limit | $1,548,975 |
| 3-unit limit | $1,872,225 |
| 4-unit limit | $2,326,875 |
| Median home value (ACS 2020–24) | $578,400 |
| New York median home value | $423,800 |
| Limit ÷ median home value | 2.09× |
| Median household income | $130,686 |
| Median home value ÷ income | 4.4× |
| Population | 1,530,146 |
| Median property tax paid (owners) | $10,001 |
| Effective property tax rate (approx.) | 1.73% |
| Owner-occupied homes | 82.2% |
| Home value rank in New York | 8 of 62 counties |
| Neighbor: Greater Bridgeport Planning Region, CT | limit $977,500; median home $428,800 |
| Neighbor: Lower Connecticut River Valley Planning Region, CT | limit $832,750; median home $379,700 |
| Neighbor: South Central Connecticut Planning Region, CT | limit $832,750; median home $353,100 |
| Neighbor: Southeastern Connecticut Planning Region, CT | limit $832,750; median home $323,400 |
| Neighbor: Western Connecticut Planning Region, CT | limit $977,500; median home $652,900 |
| Neighbor: Nassau County, NY | limit $1,209,750; median home $684,700 |
| Neighbor: Washington County, RI | limit $832,750; median home $510,800 |
Across New York's 62 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 10 high-cost counties. Suffolk County's median home value is 36% above the state median of $423,800 (rank 8 of 62). Among its 7 neighboring counties, Nassau County has the highest median home value ($684,700) and Southeastern Connecticut Planning Region the lowest ($323,400); 6 neighbor(s) have a different loan limit. Owners pay a median $10,001 a year in property tax, an effective rate of about 1.73% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Sublette County, WY
- 2026 conforming loan limit: Suffolk City, VA
- 2026 conforming loan limit: Suffolk County, MA
- 2026 conforming loan limit: Sullivan County, IN
- 2026 conforming loan limit: Sullivan County, MO
- 2026 conforming loan limit: Sullivan County, NH
- 2026 conforming loan limit: Sullivan County, NY
- 2026 conforming loan limit: Sullivan County, PA
Last updated 2026-10-16. Data only, not financial or tax advice.