FHA Loan Limits in New York County, New York (2026)
Buying in New York County or elsewhere in New York County? The 2026 FHA single-family limit across the county is $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
From New York County to the edges of New York County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Kings and Queens Counties.
FHA affordability around New York County
Homes around New York County carry an estimated local median near $1,100,000, so an FHA buyer in New York County puts down about $38,500 (3.5%). With New York's 1.72% effective property-tax rate, the all-in payment runs near $8,830 a month — comfortable on household income around $342,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in New York County
FHA payments across New York County price points — from entry homes near New York County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $792,000 | $27,720 | $6,390 |
| Local median — $1,100,000 | $38,500 | $8,830 |
| At the FHA limit — $1,249,125 | $43,719 | $10,011 |
Estimates include FHA MIP plus New York property taxes and insurance. Rates move daily near New York County too — get notified.
First-time buyers make up much of FHA activity in New York County and across New York County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $38,500 needed on a median New York County home.
Multi-unit FHA limits in New York County
New York County's 2026 multi-unit FHA limits reach $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex) — so a buyer in New York County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in New York County for 2026?
- In New York County (New York County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in New York County with FHA?
- For a median-priced ($1,100,000) New York County home, plan on income around $342,000 at a 31% housing ratio — about $8,830/month including taxes, insurance, and MIP.
- How much is the FHA down payment in New York County?
- 3.5% with a 580+ score — roughly $38,500 on a $1,100,000 New York County-area home. Gift funds are allowed.
- Is New York County a high-cost FHA area?
- Yes — New York County's $1,249,125 one-unit limit tops the $541,287 national floor.