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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.


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