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Wondering about where mortgage rates are headed? Check out our latest Two-Month Mortgage Rate Forecast.

Wondering about where mortgage rates are headed? Check out our latest Two-Month Mortgage Rate Forecast.

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

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Displaying Today's Mortgage Rates for a $320,000 Refinance loan.
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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.

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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