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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in NY - New York FHA Mortgage

New York Mortgages

2024 FHA Loan Limits for New York

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in New York are below.

Select County
County Name One Family Two Family Three Family Four Family
Albany One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Allegany One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bronx One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Broome One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cattaraugus One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cayuga One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chautauqua One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chemung One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chenango One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clinton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Columbia One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cortland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Delaware One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dutchess One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Erie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Essex One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fulton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Genesee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greene One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hamilton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Herkimer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kings One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Lewis One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Livingston One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monroe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Nassau One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
New York One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Niagara One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Oneida One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Onondaga One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ontario One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Orange One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Orleans One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Oswego One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Otsego One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Putnam One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Queens One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Rensselaer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Richmond One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Rockland One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Saratoga One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Schenectady One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Schoharie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Schuyler One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Seneca One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
St. Lawrence One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Steuben One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Suffolk One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Sullivan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tioga One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tompkins One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ulster One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Warren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wayne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Westchester One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Wyoming One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Yates One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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