FHA Loan Limits in New York (2026)
For 2026, the FHA loan limit in most New York counties is $541,287 for a single-family home. 7 higher-cost New York counties carry larger limit, up to $1,249,125.
FHA loan limits by county in New York
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Kings County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Queens County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| New York County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Suffolk County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Nassau County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Bronx County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Westchester County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Erie County | $541,287 | $692,997 | $1,041,072 | Standard |
| Monroe County | $541,287 | $692,997 | $1,041,072 | Standard |
| Richmond County | $541,287 | $692,997 | $1,041,072 | Standard |
| Onondaga County | $541,287 | $692,997 | $1,041,072 | Standard |
| Orange County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rockland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Albany County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dutchess County | $541,287 | $692,997 | $1,041,072 | Standard |
| Saratoga County | $541,287 | $692,997 | $1,041,072 | Standard |
| Oneida County | $541,287 | $692,997 | $1,041,072 | Standard |
| Niagara County | $541,287 | $692,997 | $1,041,072 | Standard |
| Broome County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ontario County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rensselaer County | $541,287 | $692,997 | $1,041,072 | Standard |
| Schenectady County | $541,287 | $692,997 | $1,041,072 | Standard |
| Chautauqua County | $541,287 | $692,997 | $1,041,072 | Standard |
| Oswego County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jefferson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ulster County | $541,287 | $692,997 | $1,041,072 | Standard |
| Putnam County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Lawrence County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tompkins County | $541,287 | $692,997 | $1,041,072 | Standard |
| Steuben County | $541,287 | $692,997 | $1,041,072 | Standard |
New York's median home price is roughly $470,000. With 3.5% down, an example FHA payment near that price is about $3,597/month including MIP, taxes, and insurance.
Buying with an FHA loan in New York
FHA loans are popular with first-time buyers in New York because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in New York for 2026?
- Most New York counties use the national FHA floor of $541,287 for a one-unit home. High-cost New York counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in New York?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.