2026 loan limits in New York County, New York
In New York County, a conventional loan up to $1,209,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,249,125.
Conforming limit (1 unit)$1,209,750High-cost county
FHA limit (1 unit)$1,249,125High-cost county
Highest price, 20% down, conforming$1,512,188Loan at the limit
Highest price, 3.5% down, FHA$1,294,430Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,209,750 | $1,249,125 |
| 2 units | $1,548,975 | $1,599,375 |
| 3 units | $1,872,225 | $1,933,200 |
| 4 units | $2,326,875 | $2,402,625 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,512,188 in New York County and stay conforming; with 10% down, about $1,344,167. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $1,294,430.
Questions
What is the 2026 conforming loan limit in New York County?
$1,209,750 for a one-unit home.
What is the 2026 FHA loan limit in New York County?
$1,249,125 for a one-unit home.
More for New York County
New York County property taxesFHA loan limits toolNew York closing costsNew York 10001 market dataNew York 10002 market dataNew York 10003 market dataNew York 10004 market dataNew York 10005 market dataNew York 10006 market dataNew York 10007 market dataNew York 10009 market dataNew York 10010 market dataNew York 10011 market data
2026 limits from HUD’s county files (New York-Newark-Jersey City, Ny-Nj). Conforming limits are set by the Federal Housing Finance Agency.