1. Home
  2. Loan Limits
  3. New York 2025

New York State 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in New York State

New York has 62 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Albany County to a high of $2,326,875 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 ($1,008,300) †
Highest Loan Limit ($2,326,875)

† 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 $524,225 $1,008,300 view details »
Allegany County $524,225 $1,008,300 view details »
Bronx County $1,209,750 $2,326,875 view details »
Broome County $524,225 $1,008,300 view details »
Cattaraugus County $524,225 $1,008,300 view details »
Cayuga County $524,225 $1,008,300 view details »
Chautauqua County $524,225 $1,008,300 view details »
Chemung County $524,225 $1,008,300 view details »
Chenango County $524,225 $1,008,300 view details »
Clinton County $524,225 $1,008,300 view details »
Columbia County $524,225 $1,008,300 view details »
Cortland County $524,225 $1,008,300 view details »
Delaware County $524,225 $1,008,300 view details »
Dutchess County $524,225 $1,008,300 view details »
Erie County $524,225 $1,008,300 view details »
Essex County $524,225 $1,008,300 view details »
Franklin County $524,225 $1,008,300 view details »
Fulton County $524,225 $1,008,300 view details »
Genesee County $524,225 $1,008,300 view details »
Greene County $524,225 $1,008,300 view details »
Hamilton County $524,225 $1,008,300 view details »
Herkimer County $524,225 $1,008,300 view details »
Jefferson County $524,225 $1,008,300 view details »
Kings County $1,209,750 $2,326,875 view details »
Lewis County $524,225 $1,008,300 view details »
Livingston County $524,225 $1,008,300 view details »
Madison County $524,225 $1,008,300 view details »
Monroe County $524,225 $1,008,300 view details »
Montgomery County $524,225 $1,008,300 view details »
Nassau County $1,209,750 $2,326,875 view details »
New York County $1,209,750 $2,326,875 view details »
Niagara County $524,225 $1,008,300 view details »
Oneida County $524,225 $1,008,300 view details »
Onondaga County $524,225 $1,008,300 view details »
Ontario County $524,225 $1,008,300 view details »
Orange County $524,225 $1,008,300 view details »
Orleans County $524,225 $1,008,300 view details »
Oswego County $524,225 $1,008,300 view details »
Otsego County $524,225 $1,008,300 view details »
Putnam County $1,209,750 $2,326,875 view details »
Queens County $1,209,750 $2,326,875 view details »
Rensselaer County $524,225 $1,008,300 view details »
Richmond County $1,209,750 $2,326,875 view details »
Rockland County $1,209,750 $2,326,875 view details »
St. Lawrence County $524,225 $1,008,300 view details »
Saratoga County $524,225 $1,008,300 view details »
Schenectady County $524,225 $1,008,300 view details »
Schoharie County $524,225 $1,008,300 view details »
Schuyler County $524,225 $1,008,300 view details »
Seneca County $524,225 $1,008,300 view details »
Steuben County $524,225 $1,008,300 view details »
Suffolk County $1,209,750 $2,326,875 view details »
Sullivan County $524,225 $1,008,300 view details »
Tioga County $524,225 $1,008,300 view details »
Tompkins County $524,225 $1,008,300 view details »
Ulster County $524,225 $1,008,300 view details »
Warren County $524,225 $1,008,300 view details »
Washington County $524,225 $1,008,300 view details »
Wayne County $524,225 $1,008,300 view details »
Westchester County $1,209,750 $2,326,875 view details »
Wyoming County $524,225 $1,008,300 view details »
Yates County $524,225 $1,008,300 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 2025, the maximum loan limit in New York is $524,225 for a single-family home and $2,326,875 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.


RELATED LINKS 
FHA Appraisers in New York
FHA Inspectors in New York
FHA Condos in New York
FHA Lenders in New York

Top

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