NY mortgage rates

Albany County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Albany County, New York. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Albany County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Albany County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Albany

A local view of the market.

Albany County, New York, has a dynamic real estate market with a median listing home price of $332,000 as of October 2024, reflecting a 2.2% increase from the previous year. The median sold home price is slightly higher at $350,000, indicating a competitive market where homes often sell for their asking price. The top cities in Albany County include Albany, Colonie, and Guilderland. Albany, the county seat and state capital, has a population of approximately 98,682. Colonie follows with a population of about 85,383, and Guilderland has around 36,772 residents. Living in Albany County offers a mix of urban, suburban, and rural experiences. The county is known for its agricultural heritage, with local farms contributing to the rural landscape. Suburban areas provide a balance with more residential and commercial activities. The top industries include education, healthcare, and government, attracting people for job opportunities and a higher quality of life. Migration patterns show an influx of people seeking the county's rich history, cultural amenities, and scenic beauty.

County snapshot

Market context.

NY

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaAlbany-Schenectady-TroyMapped market area
Area code10580CBSA / MSA reference
Featured communityAlbanyFrom the county record
Data year2026Aligned with this limit record
Albany
Top cities & communities

Communities to explore.

Albany
Questions & Answers

Refinancing in Albany County

Common questions about 2026 loan limits and refinancing opportunities in New York.

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