New York Loan Limits

2021 Loan Limits

2021 Loan limits in New York state by county. Click on the map or table 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 $548,250 in Albany County to $822,375 in Putnam County.

New York has 50 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 2 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 $960,000 $822,375
Kings County $960,000 $822,375
Nassau County $960,000 $822,375
New York County $960,000 $822,375
Putnam County $960,000 $822,375
Queens County $960,000 $822,375
Richmond County $960,000 $822,375
Rockland County $960,000 $822,375
Suffolk County $960,000 $822,375
Westchester County $960,000 $822,375

Mid-Range Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Dutchess County $1,045,000 $726,525
Orange County $1,045,000 $726,525

Low-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Albany County $285,000 $548,250
Allegany County $63,000 $548,250
Broome County $123,000 $548,250
Cattaraugus County $80,000 $548,250
Cayuga County $123,000 $548,250
Chautauqua County $91,000 $548,250
Chemung County $104,000 $548,250
Chenango County $85,000 $548,250
Clinton County $141,000 $548,250
Columbia County $250,000 $548,250
Cortland County $120,000 $548,250
Delaware County $145,000 $548,250
Erie County $170,000 $548,250
Essex County $150,000 $548,250
Franklin County $85,000 $548,250
Fulton County $115,000 $548,250
Genesee County $132,000 $548,250
Greene County $175,000 $548,250
Hamilton County $199,000 $548,250
Herkimer County $132,000 $548,250
Jefferson County $146,000 $548,250
Lewis County $115,000 $548,250
Livingston County $180,000 $548,250
Madison County $152,000 $548,250
Monroe County $180,000 $548,250
Montgomery County $115,000 $548,250
Niagara County $170,000 $548,250
Oneida County $132,000 $548,250
Onondaga County $152,000 $548,250
Ontario County $180,000 $548,250
Orleans County $180,000 $548,250
Oswego County $152,000 $548,250
Otsego County $129,000 $548,250
Rensselaer County $285,000 $548,250
St. Lawrence County $75,000 $548,250
Saratoga County $285,000 $548,250
Schenectady County $285,000 $548,250
Schoharie County $285,000 $548,250
Schuyler County $125,000 $548,250
Seneca County $120,000 $548,250
Steuben County $94,000 $548,250
Sullivan County $150,000 $548,250
Tioga County $123,000 $548,250
Tompkins County $215,000 $548,250
Ulster County $237,000 $548,250
Warren County $201,000 $548,250
Washington County $201,000 $548,250
Wayne County $180,000 $548,250
Wyoming County $120,000 $548,250
Yates County $180,000 $548,250

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Data Source

HUD Seal

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

Last updated on January 2, 2021