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New York State 2022 FHA Loan Limits

Last Updated: Tue, December 6, 2022

Loan Limits in New York State

New York has 62 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Albany County to a high of $1,867,275 for a 4-bedroom unit in Bronx County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of New York's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($809,150)
Highest Loan Limit ($1,867,275)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in New York State (62 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Albany County $420,680 $809,150 view details »
Allegany County $420,680 $809,150 view details »
Bronx County $970,800 $1,867,275 view details »
Broome County $420,680 $809,150 view details »
Cattaraugus County $420,680 $809,150 view details »
Cayuga County $420,680 $809,150 view details »
Chautauqua County $420,680 $809,150 view details »
Chemung County $420,680 $809,150 view details »
Chenango County $420,680 $809,150 view details »
Clinton County $420,680 $809,150 view details »
Columbia County $420,680 $809,150 view details »
Cortland County $420,680 $809,150 view details »
Delaware County $420,680 $809,150 view details »
Dutchess County $420,680 $809,150 view details »
Erie County $420,680 $809,150 view details »
Essex County $420,680 $809,150 view details »
Franklin County $420,680 $809,150 view details »
Fulton County $420,680 $809,150 view details »
Genesee County $420,680 $809,150 view details »
Greene County $420,680 $809,150 view details »
Hamilton County $420,680 $809,150 view details »
Herkimer County $420,680 $809,150 view details »
Jefferson County $420,680 $809,150 view details »
Kings County $970,800 $1,867,275 view details »
Lewis County $420,680 $809,150 view details »
Livingston County $420,680 $809,150 view details »
Madison County $420,680 $809,150 view details »
Monroe County $420,680 $809,150 view details »
Montgomery County $420,680 $809,150 view details »
Nassau County $970,800 $1,867,275 view details »
New York County $970,800 $1,867,275 view details »
Niagara County $420,680 $809,150 view details »
Oneida County $420,680 $809,150 view details »
Onondaga County $420,680 $809,150 view details »
Ontario County $420,680 $809,150 view details »
Orange County $420,680 $809,150 view details »
Orleans County $420,680 $809,150 view details »
Oswego County $420,680 $809,150 view details »
Otsego County $420,680 $809,150 view details »
Putnam County $970,800 $1,867,275 view details »
Queens County $970,800 $1,867,275 view details »
Rensselaer County $420,680 $809,150 view details »
Richmond County $970,800 $1,867,275 view details »
Rockland County $970,800 $1,867,275 view details »
St. Lawrence County $420,680 $809,150 view details »
Saratoga County $420,680 $809,150 view details »
Schenectady County $420,680 $809,150 view details »
Schoharie County $420,680 $809,150 view details »
Schuyler County $420,680 $809,150 view details »
Seneca County $420,680 $809,150 view details »
Steuben County $420,680 $809,150 view details »
Suffolk County $970,800 $1,867,275 view details »
Sullivan County $420,680 $809,150 view details »
Tioga County $420,680 $809,150 view details »
Tompkins County $420,680 $809,150 view details »
Ulster County $420,680 $809,150 view details »
Warren County $420,680 $809,150 view details »
Washington County $420,680 $809,150 view details »
Wayne County $420,680 $809,150 view details »
Westchester County $970,800 $1,867,275 view details »
Wyoming County $420,680 $809,150 view details »
Yates County $420,680 $809,150 view details »

How to qualify for an FHA Loan in New York State?

To qualify for an FHA loan in New York, your home loan must be below the local FHA loan limits in your area. For 2022, the maximum loan limit in New York is $420,680 for a single-family home and $1,867,275 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in New York. Additional restricts apply. Click on the New York map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/new-york
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