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

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Displaying Today's Mortgage Rates for a $200,000 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.

2022 Conforming loan limits for New York

County Name One Family Two Family Three Family Four Family
Albany County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Allegany County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bronx County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Broome County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cattaraugus County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cayuga County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Chautauqua County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Chemung County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Chenango County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Clinton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Columbia County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cortland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Delaware County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Dutchess County One Family$726,525 Two Family$930,300 Three Family$1,124,475 Four Family$1,397,400
Erie County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Essex County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Franklin County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Fulton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Genesee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Greene County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hamilton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Herkimer County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Jefferson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Kings County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Lewis County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Livingston County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Madison County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Monroe County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Montgomery County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Nassau County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
New York County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Niagara County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Oneida County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Onondaga County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Ontario County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Orange County One Family$726,525 Two Family$930,300 Three Family$1,124,475 Four Family$1,397,400
Orleans County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Oswego County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Otsego County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Putnam County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Queens County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Rensselaer County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Richmond County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Rockland County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Saratoga County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Schenectady County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Schoharie County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Schuyler County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Seneca County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
St. Lawrence County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Steuben County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Suffolk County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Sullivan County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Tioga County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Tompkins County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Ulster County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Warren County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Washington County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Wayne County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Westchester County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Wyoming County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Yates County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
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