NY mortgage rates

Cayuga County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Cayuga 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

Cayuga 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 Cayuga 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

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Cayuga

A local view of the market.

In Cayuga County, New York, the real estate market has seen a significant increase in home values. As of October 2024, the median listing home price in the county was approximately $249,900, marking a 25% increase from the previous year. The median sold home price was slightly lower at $242,500, indicating a competitive market where homes often sell close to their listing prices. The county's largest city is Auburn, with a population of about 25,692. Other notable cities include Aurora, with a population of 13,778, Brutus with 4,204 residents, and Owasco, which has a population of 3,450. Cayuga County offers a mix of rural and suburban living, characterized by its agricultural landscape and small-town charm. The county's economy is supported by industries such as agriculture, manufacturing, and education, with a focus on maintaining a low cost of living. The area attracts new residents seeking a quieter lifestyle and opportunities in farming and local businesses, contributing to its steady migration patterns.

County snapshot

Market context.

NY

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

Market areaAuburnMapped market area
Area code12180CBSA / MSA reference
Featured communityAuburnFrom the county record
Data year2026Aligned with this limit record
Auburn
Top cities & communities

Communities to explore.

Auburn
Questions & Answers

Refinancing in Cayuga County

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

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