New York State 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in New York State

New York has 62 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Albany County to a high of $2,095,200 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 ($907,900) †

Highest Loan Limit ($2,095,200)

† 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	$472,030	$907,900	view details »
Allegany County	$472,030	$907,900	view details »
Bronx County	$1,089,300	$2,095,200	view details »
Broome County	$472,030	$907,900	view details »
Cattaraugus County	$472,030	$907,900	view details »
Cayuga County	$472,030	$907,900	view details »
Chautauqua County	$472,030	$907,900	view details »
Chemung County	$472,030	$907,900	view details »
Chenango County	$472,030	$907,900	view details »
Clinton County	$472,030	$907,900	view details »
Columbia County	$472,030	$907,900	view details »
Cortland County	$472,030	$907,900	view details »
Delaware County	$472,030	$907,900	view details »
Dutchess County	$472,030	$907,900	view details »
Erie County	$472,030	$907,900	view details »
Essex County	$472,030	$907,900	view details »
Franklin County	$472,030	$907,900	view details »
Fulton County	$472,030	$907,900	view details »
Genesee County	$472,030	$907,900	view details »
Greene County	$472,030	$907,900	view details »
Hamilton County	$472,030	$907,900	view details »
Herkimer County	$472,030	$907,900	view details »
Jefferson County	$472,030	$907,900	view details »
Kings County	$1,089,300	$2,095,200	view details »
Lewis County	$472,030	$907,900	view details »
Livingston County	$472,030	$907,900	view details »
Madison County	$472,030	$907,900	view details »
Monroe County	$472,030	$907,900	view details »
Montgomery County	$472,030	$907,900	view details »
Nassau County	$1,089,300	$2,095,200	view details »
New York County	$1,089,300	$2,095,200	view details »
Niagara County	$472,030	$907,900	view details »
Oneida County	$472,030	$907,900	view details »
Onondaga County	$472,030	$907,900	view details »
Ontario County	$472,030	$907,900	view details »
Orange County	$472,030	$907,900	view details »
Orleans County	$472,030	$907,900	view details »
Oswego County	$472,030	$907,900	view details »
Otsego County	$472,030	$907,900	view details »
Putnam County	$1,089,300	$2,095,200	view details »
Queens County	$1,089,300	$2,095,200	view details »
Rensselaer County	$472,030	$907,900	view details »
Richmond County	$1,089,300	$2,095,200	view details »
Rockland County	$1,089,300	$2,095,200	view details »
St. Lawrence County	$472,030	$907,900	view details »
Saratoga County	$472,030	$907,900	view details »
Schenectady County	$472,030	$907,900	view details »
Schoharie County	$472,030	$907,900	view details »
Schuyler County	$472,030	$907,900	view details »
Seneca County	$472,030	$907,900	view details »
Steuben County	$472,030	$907,900	view details »
Suffolk County	$1,089,300	$2,095,200	view details »
Sullivan County	$472,030	$907,900	view details »
Tioga County	$472,030	$907,900	view details »
Tompkins County	$472,030	$907,900	view details »
Ulster County	$472,030	$907,900	view details »
Warren County	$472,030	$907,900	view details »
Washington County	$472,030	$907,900	view details »
Wayne County	$472,030	$907,900	view details »
Westchester County	$1,089,300	$2,095,200	view details »
Wyoming County	$472,030	$907,900	view details »
Yates County	$472,030	$907,900	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 2023, the maximum loan limit in New York is $472,030 for a single-family home and $2,095,200 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.

New York State 2023 FHA Loan Limits

Loan Limits in New York State

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

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

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