Mortgage Rates in New York | Refinance Rates | HSH Lender Showcase

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.

2023 Conforming loan limits for New York

County Name	One Family	Two Family	Three Family	Four Family

Albany County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Allegany County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Bronx County	One Family$1,089,300	Two Family$1,394,775	Three Family$1,685,850	Four Family$2,095,200
Broome County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Cattaraugus County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Cayuga County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Chautauqua County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Chemung County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Chenango County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Clinton County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Columbia County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Cortland County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Delaware County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Dutchess County	One Family$726,525	Two Family$930,300	Three Family$1,124,475	Four Family$1,397,400
Erie County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Essex County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Franklin County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Fulton County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Genesee County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Greene County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Hamilton County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Herkimer County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Jefferson County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Kings County	One Family$1,089,300	Two Family$1,394,775	Three Family$1,685,850	Four Family$2,095,200
Lewis County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Livingston County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Madison County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Monroe County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Montgomery County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Nassau County	One Family$1,089,300	Two Family$1,394,775	Three Family$1,685,850	Four Family$2,095,200
New York County	One Family$1,089,300	Two Family$1,394,775	Three Family$1,685,850	Four Family$2,095,200
Niagara County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Oneida County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Onondaga County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Ontario County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Orange County	One Family$726,525	Two Family$930,300	Three Family$1,124,475	Four Family$1,397,400
Orleans County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Oswego County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Otsego County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Putnam County	One Family$1,089,300	Two Family$1,394,775	Three Family$1,685,850	Four Family$2,095,200
Queens County	One Family$1,089,300	Two Family$1,394,775	Three Family$1,685,850	Four Family$2,095,200
Rensselaer County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Richmond County	One Family$1,089,300	Two Family$1,394,775	Three Family$1,685,850	Four Family$2,095,200
Rockland County	One Family$1,089,300	Two Family$1,394,775	Three Family$1,685,850	Four Family$2,095,200
Saratoga County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Schenectady County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Schoharie County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Schuyler County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Seneca County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
St. Lawrence County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Steuben County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Suffolk County	One Family$1,089,300	Two Family$1,394,775	Three Family$1,685,850	Four Family$2,095,200
Sullivan County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Tioga County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Tompkins County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Ulster County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Warren County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Washington County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Wayne County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Westchester County	One Family$1,089,300	Two Family$1,394,775	Three Family$1,685,850	Four Family$2,095,200
Wyoming County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800
Yates County	One Family$726,200	Two Family$929,850	Three Family$1,123,900	Four Family$1,396,800

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