Highest FHA limit in New York
$1,249,125
In 2026, FHA one-unit limits in New York range from $541,287 to $1,249,125 (Bronx County). 52 of 62 counties use the national floor.
52 of 62counties at the $541,287 floor
All New York counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Bronx County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Kings County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Nassau County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| New York County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Putnam County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Queens County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Richmond County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Rockland County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Suffolk County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Westchester County | $1,249,125 | $1,599,375 | $2,402,625 | $1,209,750 |
| Albany County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Allegany County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Broome County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cattaraugus County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cayuga County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chautauqua County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chemung County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chenango County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clinton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Columbia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cortland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Delaware County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dutchess County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Erie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Essex County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fulton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Genesee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greene County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hamilton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Herkimer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lewis County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Livingston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Madison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Monroe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montgomery County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Niagara County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Oneida County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Onondaga County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ontario County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Orange County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Orleans County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Oswego County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Otsego County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rensselaer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Saratoga County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Schenectady County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Schoharie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Schuyler County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Seneca County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| St. Lawrence County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Steuben County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sullivan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tioga County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tompkins County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ulster County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Warren County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wayne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wyoming County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Yates County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in New York for 2026?
In 2026, FHA one-unit limits in New York range from $541,287 to $1,249,125 (Bronx County). 52 of 62 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.
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