Stewardship Capital
The conforming and FHA loan limits for all 62 counties in New York, effective for 2026. Conforming limits come from the Federal Housing Finance Agency, FHA limits from HUD.
Baseline conforming
$832,750
One unit, most counties
Highest in New York
$1,209,750
Bronx County
FHA range
$541,287 – $1,249,125
One unit, by county
10 of New York's 62 counties are designated high-cost, which means the conforming limit there is above the national baseline. The highest in the state is Bronx County at $1,209,750 for a one-unit home.
| County | Conforming | FHA |
|---|---|---|
| Albany County | $832,750 | $541,287 |
| Allegany County | $832,750 | $541,287 |
| Bronx County | $1,209,750 | $1,249,125 |
| Broome County | $832,750 | $541,287 |
| Cattaraugus County | $832,750 | $541,287 |
| Cayuga County | $832,750 | $541,287 |
| Chautauqua County | $832,750 | $541,287 |
| Chemung County | $832,750 | $541,287 |
| Chenango County | $832,750 | $541,287 |
| Clinton County | $832,750 | $541,287 |
| Columbia County | $832,750 | $541,287 |
| Cortland County | $832,750 | $541,287 |
| Delaware County | $832,750 | $541,287 |
| Dutchess County | $832,750 | $541,287 |
| Erie County | $832,750 | $541,287 |
| Essex County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Fulton County | $832,750 | $541,287 |
| Genesee County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Herkimer County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Kings County | $1,209,750 | $1,249,125 |
| Lewis County | $832,750 | $541,287 |
| Livingston County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Nassau County | $1,209,750 | $1,249,125 |
| New York County | $1,209,750 | $1,249,125 |
| Niagara County | $832,750 | $541,287 |
| Oneida County | $832,750 | $541,287 |
| Onondaga County | $832,750 | $541,287 |
| Ontario County | $832,750 | $541,287 |
| Orange County | $832,750 | $541,287 |
| Orleans County | $832,750 | $541,287 |
| Oswego County | $832,750 | $541,287 |
| Otsego County | $832,750 | $541,287 |
| Putnam County | $1,209,750 | $1,249,125 |
| Queens County | $1,209,750 | $1,249,125 |
| Rensselaer County | $832,750 | $541,287 |
| Richmond County | $1,209,750 | $1,249,125 |
| Rockland County | $1,209,750 | $1,249,125 |
| Saratoga County | $832,750 | $541,287 |
| Schenectady County | $832,750 | $541,287 |
| Schoharie County | $832,750 | $541,287 |
| Schuyler County | $832,750 | $541,287 |
| Seneca County | $832,750 | $541,287 |
| St. Lawrence County | $832,750 | $541,287 |
| Steuben County | $832,750 | $541,287 |
| Suffolk County | $1,209,750 | $1,249,125 |
| Sullivan County | $832,750 | $541,287 |
| Tioga County | $832,750 | $541,287 |
| Tompkins County | $832,750 | $541,287 |
| Ulster County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Westchester County | $1,209,750 | $1,249,125 |
| Wyoming County | $832,750 | $541,287 |
| Yates County | $832,750 | $541,287 |
Not sure which limit applies to your purchase? Stewardship Capital works with buyers and homeowners in New York. Talk it through with Stephen.
The baseline conforming loan limit in New York for 2026 is $832,750 for a one-unit home. In New York's 10 high-cost counties it is higher, up to $1,209,750 in Bronx County.
FHA loan limits in New York range from $541,287 to $1,249,125 for a one-unit home, depending on the county. The national FHA floor is $541,287 and the ceiling is $1,249,125.
A high balance loan is a conforming loan in a county whose limit is above the national baseline of $832,750. It still follows Fannie Mae and Freddie Mac guidelines, so it is not a jumbo loan, though it usually prices a little differently.
A loan above the county's conforming limit is a jumbo loan. Jumbo loans are held by individual investors rather than bought by Fannie Mae or Freddie Mac, so the qualifying guidelines are set by each investor and tend to be stricter on credit, reserves and down payment.
Yes, and they are higher. Every county has four limits, one for each size of property from one unit up to four units. The figures on this page are the one-unit limits, which is what most buyers need.
About these numbers. Conforming limits are published each year by the Federal Housing Finance Agency and apply to loans bought by Fannie Mae and Freddie Mac. FHA limits are published by the U.S. Department of Housing and Urban Development. Both are effective for 2026. Limits are set by county and by the number of units, and they are not a quote, a commitment to lend or an offer of credit. Stephen Chakerian, NMLS #2193331 | Stewardship Capital, a team of Barrett Financial Group, L.L.C., NMLS #181106 | Equal Housing Opportunity.
