2026 loan limits in St. Lawrence County, New York
In St. Lawrence County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
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 $1,040,938 in St. Lawrence County and stay conforming; with 10% down, about $925,278. 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 $560,919.
Questions
What is the 2026 conforming loan limit in St. Lawrence County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in St. Lawrence County?
$541,287 for a one-unit home.
More for St. Lawrence County
St. Lawrence County property taxesFHA loan limits toolNew York closing costsBrasher Falls 13613 market dataBrier Hill 13614 market dataCanton 13617 market dataChase Mills 13621 market dataChildwold 12922 market dataColton 13625 market dataCranberry Lake 12927 market dataDe Kalb Junction 13630 market dataDe Peyster 13633 market dataEdwards 13635 market data
2026 limits from HUD’s county files (Massena-Ogdensburg, Ny). Conforming limits are set by the Federal Housing Finance Agency.