2025 Loan limits in New York state by county. Click on the map below to view loan limits for a particular county.
New York Map
New York has 62 counties, with conforming loan limits for a single-family home ranging from $806,500 in Albany County to $1,209,750 in Bronx County.
New York has 0 counties with standard or low-cost loan limits equal to the national baseline; 10 counties with high-cost loan limits equal to the national ceiling; and 52 counties with mid-range loan limits that are between the baseline and ceiling.
View the loan limits overview for information on how loan limits are set for each county. Click on the a specific county from the table below for detailed loan limit information.
Counties in New York (62)
| County | Median Home Price | Conforming Loan Limit for Single-Family Home |
|---|---|---|
| Bronx County | $1,138,000 | $1,209,750 |
| Kings County | $1,138,000 | $1,209,750 |
| Nassau County | $1,138,000 | $1,209,750 |
| New York County | $1,138,000 | $1,209,750 |
| Putnam County | $1,138,000 | $1,209,750 |
| Queens County | $1,138,000 | $1,209,750 |
| Richmond County | $1,138,000 | $1,209,750 |
| Rockland County | $1,138,000 | $1,209,750 |
| Suffolk County | $1,138,000 | $1,209,750 |
| Westchester County | $1,138,000 | $1,209,750 |
| County | Median Home Price | Conforming Loan Limit for Single-Family Home |
|---|---|---|
| Albany County | $395,000 | $806,500 |
| Allegany County | $175,000 | $806,500 |
| Broome County | $160,000 | $806,500 |
| Cattaraugus County | $105,000 | $806,500 |
| Cayuga County | $180,000 | $806,500 |
| Chautauqua County | $137,000 | $806,500 |
| Chemung County | $130,000 | $806,500 |
| Chenango County | $110,000 | $806,500 |
| Clinton County | $180,000 | $806,500 |
| Columbia County | $356,000 | $806,500 |
| Cortland County | $175,000 | $806,500 |
| Delaware County | $171,000 | $806,500 |
| Dutchess County | $1,045,000 | $806,500 |
| Erie County | $250,000 | $806,500 |
| Essex County | $204,000 | $806,500 |
| Franklin County | $120,000 | $806,500 |
| Fulton County | $142,000 | $806,500 |
| Genesee County | $165,000 | $806,500 |
| Greene County | $275,000 | $806,500 |
| Hamilton County | $219,000 | $806,500 |
| Herkimer County | $187,000 | $806,500 |
| Jefferson County | $186,000 | $806,500 |
| Lewis County | $124,000 | $806,500 |
| Livingston County | $275,000 | $806,500 |
| Madison County | $227,000 | $806,500 |
| Monroe County | $275,000 | $806,500 |
| Montgomery County | $155,000 | $806,500 |
| Niagara County | $250,000 | $806,500 |
| Oneida County | $187,000 | $806,500 |
| Onondaga County | $227,000 | $806,500 |
| Ontario County | $275,000 | $806,500 |
| Orange County | $1,045,000 | $806,500 |
| Orleans County | $275,000 | $806,500 |
| Oswego County | $227,000 | $806,500 |
| Otsego County | $173,000 | $806,500 |
| Rensselaer County | $395,000 | $806,500 |
| St. Lawrence County | $106,000 | $806,500 |
| Saratoga County | $395,000 | $806,500 |
| Schenectady County | $395,000 | $806,500 |
| Schoharie County | $395,000 | $806,500 |
| Schuyler County | $160,000 | $806,500 |
| Seneca County | $172,000 | $806,500 |
| Steuben County | $131,000 | $806,500 |
| Sullivan County | $229,000 | $806,500 |
| Tioga County | $160,000 | $806,500 |
| Tompkins County | $275,000 | $806,500 |
| Ulster County | $380,000 | $806,500 |
| Warren County | $275,000 | $806,500 |
| Washington County | $275,000 | $806,500 |
| Wayne County | $275,000 | $806,500 |
| Wyoming County | $150,000 | $806,500 |
| Yates County | $275,000 | $806,500 |
More on New York
- Fair Market Rents to view 40th percentile FMRs in New York
- Property Taxes to find Property Taxes in New York
- Income Limits to learn more about income assistance in New York
- Housing Authorites to find Housing Authorities in New York
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Data Source
FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).
Last updated on January 5, 2025