New York Mortgage Rates and Refinance Rates: HSH Lender Showcase

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30 year fixed mortgage rates today from 3.125%

Updated: 3/30/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.342%
APR
Rate as low as
3.125%
Rate
$ 857
Monthly Payment
Show Details
Updated: 3/30/2020
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New York Mortgages

While homes in New York City and some suburbs are notoriously expensive, communities in Rochester, Syracuse, Albany, and other areas of the state are more reasonably priced. No matter what part of the state you live in, it makes sense to compare NY mortgage rates if you are considering buying a home.

Whether you are a first-time buyer or a homeowner who wants to refinance, check current NY mortgage rates before you commit to a loan to make sure you are getting the lowest possible interest rate and the lowest possible costs. After you review New York mortgage rates, you can contact a lender featured on HSH.com to get an industry expert's take on your home financing options.

New York conventional mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2020 Conventional loan limits for New York

County NameOne FamilyTwo FamilyThree FamilyFour Family
Albany CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Allegany CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Bronx CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Broome CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Cattaraugus CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Cayuga CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Chautauqua CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Chemung CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Chenango CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Clinton CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Columbia CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Cortland CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Delaware CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Dutchess CountyOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
Erie CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Essex CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Franklin CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Fulton CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Genesee CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Greene CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Hamilton CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Herkimer CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Jefferson CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Kings CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Lewis CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Livingston CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Madison CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Monroe CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Montgomery CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Nassau CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
New York CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Niagara CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Oneida CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Onondaga CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Ontario CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Orange CountyOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
Orleans CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Oswego CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Otsego CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Putnam CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Queens CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Rensselaer CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Richmond CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Rockland CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Saratoga CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Schenectady CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Schoharie CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Schuyler CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Seneca CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
St. Lawrence CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Steuben CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Suffolk CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Sullivan CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Tioga CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Tompkins CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Ulster CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Warren CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Washington CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Wayne CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Westchester CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Wyoming CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Yates CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
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