New York Loan Limits

2024 Loan Limits

2024 Loan limits in New York state by county. Click on the map below to view loan limits for a particular county.

New York Map

Minimum Loan Limit
Maximum Loan Limit

New York has 62 counties, with conforming loan limits for a single-family home ranging from $766,550 in Albany County to $1,149,825 in Bronx County.

New York has 52 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 0 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)

High-Cost Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Bronx County $1,034,000 $1,149,825
Kings County $1,034,000 $1,149,825
Nassau County $1,034,000 $1,149,825
New York County $1,034,000 $1,149,825
Putnam County $1,034,000 $1,149,825
Queens County $1,034,000 $1,149,825
Richmond County $1,034,000 $1,149,825
Rockland County $1,034,000 $1,149,825
Suffolk County $1,034,000 $1,149,825
Westchester County $1,034,000 $1,149,825
Low-Cost Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Albany County $378,000 $766,550
Allegany County $83,000 $766,550
Broome County $148,000 $766,550
Cattaraugus County $105,000 $766,550
Cayuga County $180,000 $766,550
Chautauqua County $121,000 $766,550
Chemung County $128,000 $766,550
Chenango County $100,000 $766,550
Clinton County $155,000 $766,550
Columbia County $350,000 $766,550
Cortland County $155,000 $766,550
Delaware County $150,000 $766,550
Dutchess County $1,045,000 $766,550
Erie County $235,000 $766,550
Essex County $183,000 $766,550
Franklin County $120,000 $766,550
Fulton County $140,000 $766,550
Genesee County $160,000 $766,550
Greene County $260,000 $766,550
Hamilton County $199,000 $766,550
Herkimer County $158,000 $766,550
Jefferson County $172,000 $766,550
Lewis County $116,000 $766,550
Livingston County $230,000 $766,550
Madison County $227,000 $766,550
Monroe County $230,000 $766,550
Montgomery County $149,000 $766,550
Niagara County $235,000 $766,550
Oneida County $158,000 $766,550
Onondaga County $227,000 $766,550
Ontario County $230,000 $766,550
Orange County $1,045,000 $766,550
Orleans County $230,000 $766,550
Oswego County $227,000 $766,550
Otsego County $154,000 $766,550
Rensselaer County $378,000 $766,550
St. Lawrence County $100,000 $766,550
Saratoga County $378,000 $766,550
Schenectady County $378,000 $766,550
Schoharie County $378,000 $766,550
Schuyler County $160,000 $766,550
Seneca County $150,000 $766,550
Steuben County $120,000 $766,550
Sullivan County $202,000 $766,550
Tioga County $148,000 $766,550
Tompkins County $269,000 $766,550
Ulster County $330,000 $766,550
Warren County $250,000 $766,550
Washington County $250,000 $766,550
Wayne County $230,000 $766,550
Wyoming County $140,000 $766,550
Yates County $230,000 $766,550

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Data Source

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FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).

Last updated on January 2, 2024