2026 FHA Loan Limits in New York
While FHA loans are offered through private lenders, they’re regulated and backed by the Federal Housing Administration (FHA). These loans must meet specific requirements as a result, including loan limits that cap how much individuals can borrow for a home.
New York FHA loan limits for 2026 range from $541,287 for single-family homes in most areas to $1,249,125 in the most expensive regions of the state. Read on to learn how FHA loan limits in New York work and other requirements to qualify for this type of home financing.
New York FHA loan limits by county
New York single-family FHA loan limits
| County Name | One Unit | Two Units | Three Units | Four Units | Median Sales Price |
|---|---|---|---|---|---|
| ALBANY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $421,000 |
| ALLEGANY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $114,000 |
| BRONX COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| BROOME COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $174,000 |
| CATTARAUGUS COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| CAYUGA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| CHAUTAUQUA COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| CHEMUNG COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| CHENANGO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| CLINTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $185,000 |
| COLUMBIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $352,000 |
| CORTLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| DELAWARE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $190,000 |
| DUTCHESS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $440,000 |
| ERIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $261,000 |
| ESSEX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $229,000 |
| FRANKLIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| FULTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $168,000 |
| GENESEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $185,000 |
| GREENE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $282,000 |
| HAMILTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $211,000 |
| HERKIMER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $185,000 |
| JEFFERSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $190,000 |
| KINGS COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| LEWIS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $134,000 |
| LIVINGSTON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $290,000 |
| MADISON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $240,000 |
| MONROE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $290,000 |
| MONTGOMERY COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| NASSAU COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| NEW YORK COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| NIAGARA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $261,000 |
| ONEIDA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $185,000 |
| ONONDAGA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $240,000 |
| ONTARIO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $290,000 |
| ORANGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $440,000 |
| ORLEANS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $290,000 |
| OSWEGO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $240,000 |
| OTSEGO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $170,000 |
| PUTNAM COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| QUEENS COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| RENSSELAER COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $421,000 |
| RICHMOND COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| ROCKLAND COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| SARATOGA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $421,000 |
| SCHENECTADY COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $421,000 |
| SCHOHARIE COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $421,000 |
| SCHUYLER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $160,000 |
| SENECA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| ST. LAWRENCE CO | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| STEUBEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| SUFFOLK COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| SULLIVAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $280,000 |
| TIOGA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $174,000 |
| TOMPKINS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| ULSTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $393,000 |
| WARREN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $280,000 |
| WASHINGTON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $280,000 |
| WAYNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $290,000 |
| WESTCHESTER COU | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $996,000 |
| WYOMING COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $161,000 |
| YATES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
How are FHA loan limits determined?
Loan limits for FHA loans are updated regularly to reflect the increasing costs of housing throughout the country. These mortgage limits include both a lowest loan limit (i.e., “floor”) and a highest loan limit (i.e., “ceiling”), which reflect the variable costs of housing nationwide. Areas of the country with the highest cost of living allow FHA loans in much larger amounts, while areas with more affordable housing use the lower threshold as their FHA loan limit.
For 2026, FHA loan limits for single-family homes range from $541,287 to $1,249,125 nationwide. Higher limits also apply for multifamily properties with two to four units.
How to qualify for an FHA loan in New York
FHA loans offer a range of benefits for homebuyers, including the potential for a down payment as low as 3.5%, low closing costs, and easier credit requirements for approval. However, these loans are different from conventional mortgages in a few ways. For example, FHA mortgage insurance is charged up front and throughout the life of the loan.
Buyers also need to find a property that falls within FHA loan limits for their county and state, whether they’re looking for homes in New York or elsewhere in the country.
Here are the main FHA loan requirements you should know about:
- Minimum credit score: You may be able to qualify for an FHA loan with a credit score as low as 500 if you have a 10% down payment. If your credit score is 580 or higher, you could get an FHA loan with 3.5% down.
- Down payment: Your down payment can be as low as 3.5% with a 580 credit score or higher, or 10% if your credit score is 500 to 579.
- Debt-to-income (DTI) ratio: FHA loans typically require a maximum 43% debt-to-income ratio, although some borrowers with a higher DTI can qualify. This means your monthly debt payments should make up 43% or less of your gross monthly income.
- Mortgage insurance: FHA mortgage insurance is charged up front during a home purchase, and homeowners must also pay monthly mortgage insurance premiums throughout the life of the loan.
- Income limits: FHA loans don’t have any income limits, which means anyone can use them provided they meet credit and down payment requirements, and the home they’re buying falls within FHA loan limits for their county and state.
- Occupancy: You must live in the home as your primary residence for at least one year to use this loan program, even if you’re purchasing a home with multiple units.
- Loan limits: FHA loan limits also apply. These vary by county throughout the country, including in New York. As mentioned, these loan limits go from $541,287 to $1,249,125 in 2026.
- FHA appraisal: An appraisal is also required to prove the home meets FHA standards. Appraisals for FHA properties help identify the market value of a home and whether it is compliant with the FHA’s minimum property standards and safe enough to be occupied.
Buying a multifamily property with an FHA loan
One of the unique benefits of FHA loans is the fact they can be used to purchase multifamily properties of up to four units, with as little as 3.5% down. Buyers do need to occupy one of the units as a primary residence, in order to qualify for an FHA loan.
Buyers cannot use FHA loans for investment purposes only, but they can use them as part of a house hacking strategy. For example, a buyer can use an FHA loan to purchase a duplex, live in one half, and rent out the other half to a tenant.
When all goes well, the tenant’s rent can cover all or part of the homeowner’s mortgage. The homeowner must live in the property as a primary residence for at least one year, but the occupancy requirement doesn’t extend beyond that.
The basic requirements to get an FHA loan also apply to the purchase of a multifamily property, including:
- Credit score of at least 500 with 10% down, or 580 to qualify for a 3.5% down payment
- Maximum 43% debt-to-income ratio
- Agreement to pay FHA mortgage insurance
- Home must be a primary residence
- Property cost must fall within the FHA loan limits
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in New York
| Lender | LendingTree rating | Minimum FHA credit score | |
|---|---|---|---|
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 |
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