2026 FHA Loan Limits in New York by County

The Federal Housing Administration (FHA) determines the maximum loan amount borrowers can qualify for when seeking an FHA loan. These FHA loan limits can vary by county and are based on the median home prices in each county. FHA loan limits are adjusted annually based on housing market changes. In New York, FHA loan limits fall into two main categories:

• Standard Loan Limits. These limits apply to most counties in the state and serve as a baseline for FHA mortgages.
• High Cost Area Loan Limits. These limits are higher than the standard limits and apply to counties with significantly higher median home prices, such as the New York City metropolitan area, including the boroughs of Manhattan, Brooklyn, Queens, The Bronx, and Staten Island, as well as certain counties like Nassau, Suffolk, Rockland, and Westchester.

For a 1 unit home (single family) the limits in New York range from a standard limit of $541,287 up to a high cost limit of $1,249,125. FHA also has different loan limits based on the number of units in the home. Below are the 2026 FHA loan limits for 1- 4 unit properties in NY for each county.

County	1 Unit	2 Units	3 Units	4 Units
ALBANY, ALLEGANY, BROOME, CATTARAUGUS, CAYUGA, CHAUTAUQUA, CHEMUNG, CHENANGO, CLINTON, COLUMBIA, CORTLAND, DELAWARE, DUTCHESS, ERIE, ESSEX	$541,287	$693,050	$837,700	$1,041,125
FRANKLIN, FULTON, GENESEE, GREENE, HAMILTON, HERKIMER, JEFFERSON, LEWIS, LIVINGSTON, MADISON, MONROE, MONTGOMERY, NIAGARA, ONEIDA, ONONDAGA	$541,287	$693,050	$837,700	$1,041,125
ONTARIO, ORANGE, ORLEANS, OSWEGO, OTSEGO, RENSSELAER, SARATOGA, SCHENECTADY, SCHOHARIE, SCHUYLER, SENECA, ST. LAWRENCE, STEUBEN, SULLIVAN	$541,287	$693,050	$837,700	$1,041,125
TIOGA, TOMPKINS, ULSTER, WARREN, WASHINGTON, WAYNE, WYOMING, YATES	$541,287	$693,050	$837,700	$1,041,125
BRONX, KINGS, NASSAU, NEW YORK, PUTNAM, QUEENS, RICHMOND, ROCKLAND, SUFFOLK, WESTCHESTER	$1,249,125	$1,599,375	$1,933,200	$2,402,625

Look up 2026 loan limits for any US county

Use our calculator below to see exact 2026 FHA and conforming loan limits for any United States county.

2026 FHA loan limits in New York high cost counties

Ten of New York's sixty two counties qualify for HUD's ceiling FHA loan limit in 2026. All ten are part of the New York-Newark-Jersey City Metropolitan Statistical Area as defined by the Office of Management and Budget and HUD treats the entire NYC-Newark MSA as one high cost area. The 2026 FHA ceiling of $1,249,125 for a one unit property applies uniformly across all ten.

The five New York City boroughs FHA limits

Each of New York City's five boroughs is its own county for federal lending purposes. Manhattan is New York County, Brooklyn is Kings County, and Staten Island is Richmond County; the Bronx and Queens use their familiar borough names as their official county names. All five boroughs share the 2026 FHA ceiling at $1,249,125 for a one unit property, with multi-unit limits increasing to $1,599,375 (2 unit), $1,933,200 (3 unit), and $2,402,625 (4 unit). The five boroughs cover an enormous range of housing types, from single family rowhomes in Bay Ridge, Bensonhurst, and Forest Hills to condo and co-op buildings throughout Manhattan and Brooklyn. FHA co-op project approval is particularly relevant in NYC since a significant portion of the housing stock is co-op rather than condo or single family.

Nassau and Suffolk County FHA limits

Nassau County (Hempstead, Hicksville, Levittown, Long Beach, Garden City, Great Neck, Massapequa, Valley Stream, Freeport) and Suffolk County (Babylon, Brentwood, Huntington, Smithtown, Islip, Brookhaven, Riverhead, Southampton, East Hampton) make up Long Island and share the 2026 FHA ceiling of $1,249,125 for a one unit property. Multi-unit limits increase to $2,402,625 for a four unit. Long Island has substantial FHA volume given that median home prices in interior Nassau and central Suffolk are well below the ceiling, leaving comfortable room for FHA financing on most transactions outside the Hamptons and North Shore Gold Coast.

Westchester, Rockland, and Putnam County FHA limits

The three Lower Hudson Valley counties share the same FHA ceiling at $1,249,125: Westchester (Yonkers, New Rochelle, White Plains, Mount Vernon, Scarsdale, Rye, Bronxville), Rockland (Spring Valley, New City, Suffern, Nyack, Pearl River), and Putnam (Carmel, Mahopac, Brewster, Cold Spring). All three are within commuting distance of Manhattan and carry NYC Metro home prices that justify the ceiling FHA limit. Multi-unit limits in all three counties are $1,599,375 (2 unit), $1,933,200 (3 unit), and $2,402,625 (4 unit).

2026 FHA loan limits in New York floor counties

Fifty two New York counties carry the standard FHA floor limit in 2026. The floor for a one unit property is $541,287, with multi-unit limits at $693,050 (2 unit), $837,700 (3 unit), and $1,041,125 (4 unit). These limits apply to every New York county outside the ten county NYC Metro Area, covering the Capital Region, Western New York, Central New York, the Southern Tier, the Hudson Valley counties north of Putnam and the entirety of the North Country.

New York Capital Region and Upstate metros

The Capital Region (Albany, Rensselaer, Saratoga, Schenectady, Schoharie counties) is at the FHA floor despite Saratoga's median home price approaching $421,000. The state's other major upstate metros are also at the floor: Buffalo (Erie and Niagara counties), Rochester (Monroe, Ontario, Wayne, Livingston, Orleans, Genesee), Syracuse (Onondaga, Madison, Oswego, Cayuga), Binghamton (Broome, Tioga), Utica-Rome (Oneida, Herkimer), and Ithaca (Tompkins). For most upstate buyers, the $541,287 one unit FHA limit covers the entire price range of single family inventory comfortably.

Hudson Valley and the Catskills

The Hudson Valley counties outside the Lower Hudson Valley ceiling tier: Dutchess (Poughkeepsie, Beacon, Hyde Park, Rhinebeck), Orange (Newburgh, Middletown, Goshen, Warwick), Ulster (Kingston, New Paltz, Saugerties, Woodstock), Sullivan (Monticello, Liberty), Greene, and Columbia, all carry the FHA floor at $541,287. Dutchess and Orange counties have median home prices around $440,000, the highest among floor tier New York counties, but not high enough to push them into an intermediate FHA tier. Buyers in this region with purchase prices above $541,287 typically use conventional financing instead, which carries a $832,750 baseline limit statewide.

Western New York, the Southern Tier, and the North Country

The lower priced sections of upstate New York comfortably fit within the FHA floor. Western New York counties including Chautauqua, Cattaraugus, and Allegany; Southern Tier counties including Steuben, Chemung, and Tioga; and North Country counties including St. Lawrence, Franklin, Clinton, Jefferson, and Lewis all carry the $541,287 one unit limit. Median home prices in many of these counties are well under $200,000, leaving substantial headroom under the FHA cap for most purchases.

What happens if your New York purchase exceeds the FHA loan limit?

If your purchase price requires a loan that exceeds the FHA limit for your New York county, FHA financing isn't an option for the full amount. Common alternatives include:

• Conventional conforming loan. The 2026 New York conforming loan limit is $832,750 (baseline) or $1,209,750 (high cost counties), meaning conventional financing reaches further than FHA in nearly every NY county. Conventional loans require 3-5% minimum down for first time buyers with a 620+ credit score, or 20% down to avoid mortgage insurance. See our 2026 New York Conforming Loan Limits page for full conforming county details.
• Jumbo loan. If your purchase exceeds both FHA and conforming limits, jumbo financing is the next step. Jumbo requirements are typically stricter (700+ credit score, 10-20% down, lower DTI), but rates often price competitively with conforming for strong borrowers. New York City and Long Island have some of the most active jumbo markets in the country.
• Larger down payment. Increasing your down payment can bring your loan amount within the FHA or conforming limit. In upstate counties where FHA limits are at the floor ($541,287), this may not be practical for typical purchases; in the NYC Metro counties where the FHA ceiling is $1,249,125, a modestly larger down payment can keep FHA financing as an option on most NY purchases.

How to get pre-approved for a New York FHA loan

Getting pre-approved for a FHA mortgage is quick and easy with our Online Loan Application. After completing the application, you will receive instructions on how to upload your documents. For a list of documents you will need to upload, see our Pre-approval Document Checklist.

Ready to get started on your NY FHA loan?

Whether you're a first-time buyer, refinancing an existing FHA loan, or considering an FHA 203(k) renovation loan, Alpine Mortgage is ready to help. The next step depends on where you are in the process:

New York FHA Loan Limits FAQs