NY mortgage rates

Fulton County

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

Fulton 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 Fulton 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 Fulton

A local view of the market.

Fulton County, New York, has seen a notable increase in its real estate market, with the median home price reaching $230,000 as of October 2024, reflecting an 11.5% rise from the previous year. The average home value in the county is approximately $206,116, marking a 7.8% increase over the past year. The county's top cities include Gloversville, with a population of around 15,000, and Johnstown, which has about 8,000 residents. These cities are known for their affordable housing options and community-oriented living, making them attractive to new residents. Fulton County offers a mix of rural and suburban living, with a strong presence of agriculture and small farms. The area is known for its scenic landscapes and outdoor recreational opportunities, which attract those seeking a quieter, more rural lifestyle. Key industries include manufacturing and healthcare, and the county has seen migration from urban areas as people seek more space and a slower pace of life.

County snapshot

Market context.

NY

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

Market areaGloversvilleMapped market area
Area code24100CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Fulton County

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

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