2026 limits · 62 counties
New York 2026 loan limits for duplexes, triplexes and fourplexes
In New York, the 2026 FHA limit for a fourplex runs from $1,041,125 to $2,402,625. 52 of 62 counties sit at the national floor; the highest is 10 counties. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $2,326,875 in 10 high-cost counties.
$693,050 to $1,599,375FHA, 2 units
$1,041,125 to $2,402,625FHA, 4 units
10counties above FHA's floor
$2,326,875highest conforming limit, 4 units
Every county in New York
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Albany County Albany-Schenectady-Troy, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Allegany County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bronx County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Broome County Binghamton, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cattaraugus County Olean, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cayuga County Auburn, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chautauqua County Jamestown-Dunkirk, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chemung County Elmira, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chenango County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clinton County Plattsburgh, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County Hudson, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cortland County Cortland, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Delaware County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dutchess County Kiryas Joel-Poughkeepsie-Newburgh, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Erie County Buffalo-Cheektowaga, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Essex County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fulton County Gloversville, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Genesee County Batavia, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hamilton County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Herkimer County Utica-Rome, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County Watertown-Fort Drum, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kings County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Lewis County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Livingston County Rochester, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County Syracuse, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County Rochester, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County Amsterdam, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Nassau County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| New York County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Niagara County Buffalo-Cheektowaga, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oneida County Utica-Rome, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Onondaga County Syracuse, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ontario County Rochester, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange County Kiryas Joel-Poughkeepsie-Newburgh, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orleans County Rochester, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oswego County Syracuse, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Otsego County Oneonta, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Putnam County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Queens County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Rensselaer County Albany-Schenectady-Troy, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Richmond County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Rockland County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Saratoga County Albany-Schenectady-Troy, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Schenectady County Albany-Schenectady-Troy, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Schoharie County Albany-Schenectady-Troy, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Schuyler County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Seneca County Seneca Falls, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Lawrence County Massena-Ogdensburg, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Steuben County Corning, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Suffolk County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Sullivan County Monticello, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tioga County Binghamton, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tompkins County Ithaca, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ulster County Kingston, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Warren County Glens Falls, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County Glens Falls, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County Rochester, NY | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Westchester County high-cost New York-Newark-Jersey City, NY-NJ | $1,599,375 | $1,933,200 | $2,402,625 | $1,548,975 | $1,872,225 | $2,326,875 |
| Wyoming County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yates County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 52 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| Bronx County | $1,657,383 | $2,003,316 | $2,489,766 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in New York
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 to $1,209,750 in New York. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.