NY mortgage rates

Clinton County

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

Clinton 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 Clinton 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 Clinton

A local view of the market.

In Clinton County, New York, the real estate market has shown a positive trend with the median listing home price reaching $230,000 as of October 2024, reflecting a 2.2% increase from the previous year. The median price per square foot is $148, and homes are selling for a median price of $220,000, indicating a competitive market environment. The county is home to several notable cities, with Plattsburgh being the largest, offering a median home price of $234,500. Other significant cities include Peru, with a median home price of $329,000, and Beekmantown, where homes are listed at a median price of $282,400. These cities provide a range of housing options and amenities, attracting diverse populations. Clinton County offers a mix of rural and suburban living, with a strong emphasis on agriculture and farming. The area is known for its scenic landscapes and outdoor recreational opportunities, making it appealing for those seeking a quieter lifestyle. The top industries include education, healthcare, and manufacturing, which contribute to the local economy. The county attracts new residents due to its affordable housing, quality of life, and proximity to natural attractions, leading to 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 areaPlattsburghMapped market area
Area code38460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Clinton County

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

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