NY mortgage rates

Delaware County

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

Delaware 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 Delaware 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 Delaware

A local view of the market.

In Delaware County, New York, the real estate market has seen an upward trend in 2024. The median listing home price is $320,000, reflecting a 7% increase from the previous year. The median home sold price stands at $252,000, indicating a balanced market where supply and demand are relatively equal. The county is home to several notable cities, including Delhi, Walton, and Roxbury. Delhi, the county seat, has a median listing home price of $339,900. Walton offers a more affordable option with a median price of $268,300, while Roxbury is on the higher end with a median listing price of $497,500. These cities contribute to the diverse housing options available in Delaware County. Delaware County is characterized by its rural and suburban environments, offering a mix of agricultural and suburban lifestyles. The county's economy is supported by industries such as agriculture, tourism, and small businesses. Many people are drawn to the area for its scenic landscapes and quieter lifestyle, making it an attractive destination for those looking to escape urban centers. The county's natural beauty and community-oriented living continue to attract new residents.

Questions & Answers

Refinancing in Delaware County

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

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