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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

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

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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.

2024 Conforming loan limits for New York

County Name One Family Two Family Three Family Four Family
Albany County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Allegany County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bronx County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Broome County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cattaraugus County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cayuga County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Chautauqua County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Chemung County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Chenango County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clinton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Columbia County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cortland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Delaware County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Dutchess County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Erie County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Essex County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Franklin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fulton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Genesee County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Greene County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hamilton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Herkimer County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jefferson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Kings County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Lewis County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Livingston County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Madison County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Monroe County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Montgomery County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Nassau County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
New York County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Niagara County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Oneida County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Onondaga County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Ontario County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Orange County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Orleans County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Oswego County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Otsego County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Putnam County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Queens County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Rensselaer County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Richmond County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Rockland County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Saratoga County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Schenectady County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Schoharie County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Schuyler County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Seneca County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
St. Lawrence County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Steuben County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Suffolk County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Sullivan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Tioga County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Tompkins County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Ulster County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Warren County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Washington County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wayne County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Westchester County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Wyoming County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Yates County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
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