NY mortgage rates

Franklin County

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

Franklin 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 Franklin 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 Franklin

A local view of the market.

Franklin County, New York, has seen a notable increase in real estate activity. As of recent reports, the median listing home price in the county is approximately $214,000, with homes selling for a median price of $246,000. The market has experienced a slight uptick, with home values increasing by 0.3% over the past year. The county is home to several key cities, with Malone being one of the most prominent. Malone has a population of around 14,000 and serves as a central hub for the region. Another significant city is Saranac Lake, known for its scenic beauty and vibrant community, with a population of approximately 5,400. These cities contribute to the county's diverse and dynamic character. Living in Franklin County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture and outdoor activities. The county's economy is supported by industries such as healthcare, education, and tourism, drawing people who seek a quieter lifestyle with access to natural landscapes. The migration patterns suggest that individuals are attracted to the county for its affordability and quality of life, making it an appealing destination for those looking to escape urban centers.

County snapshot

Market context.

NY

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

Market areaMaloneMapped market area
Area code31660CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Franklin County

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

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