New York Loan Limits

2022 Loan Limits

2022 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 $647,200 in Albany County to $970,800 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 $995,000 $970,800
Kings County $995,000 $970,800
Nassau County $995,000 $970,800
New York County $995,000 $970,800
Putnam County $995,000 $970,800
Queens County $995,000 $970,800
Richmond County $995,000 $970,800
Rockland County $995,000 $970,800
Suffolk County $995,000 $970,800
Westchester County $995,000 $970,800

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 $312,000 $647,200
Allegany County $75,000 $647,200
Broome County $138,000 $647,200
Cattaraugus County $90,000 $647,200
Cayuga County $143,000 $647,200
Chautauqua County $102,000 $647,200
Chemung County $120,000 $647,200
Chenango County $100,000 $647,200
Clinton County $150,000 $647,200
Columbia County $285,000 $647,200
Cortland County $135,000 $647,200
Delaware County $145,000 $647,200
Erie County $195,000 $647,200
Essex County $183,000 $647,200
Franklin County $120,000 $647,200
Fulton County $133,000 $647,200
Genesee County $140,000 $647,200
Greene County $218,000 $647,200
Hamilton County $199,000 $647,200
Herkimer County $147,000 $647,200
Jefferson County $159,000 $647,200
Lewis County $115,000 $647,200
Livingston County $198,000 $647,200
Madison County $165,000 $647,200
Monroe County $198,000 $647,200
Montgomery County $130,000 $647,200
Niagara County $195,000 $647,200
Oneida County $147,000 $647,200
Onondaga County $165,000 $647,200
Ontario County $198,000 $647,200
Orleans County $198,000 $647,200
Oswego County $165,000 $647,200
Otsego County $143,000 $647,200
Rensselaer County $312,000 $647,200
St. Lawrence County $87,000 $647,200
Saratoga County $312,000 $647,200
Schenectady County $312,000 $647,200
Schoharie County $312,000 $647,200
Schuyler County $145,000 $647,200
Seneca County $135,000 $647,200
Steuben County $114,000 $647,200
Sullivan County $170,000 $647,200
Tioga County $138,000 $647,200
Tompkins County $237,000 $647,200
Ulster County $279,000 $647,200
Warren County $229,000 $647,200
Washington County $229,000 $647,200
Wayne County $198,000 $647,200
Wyoming County $129,000 $647,200
Yates County $198,000 $647,200

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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, 2022