NY mortgage rates

Genesee County

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

Genesee 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 Genesee 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 Genesee

A local view of the market.

The real estate market in Genesee County, New York, is currently characterized as a seller's market, with homes selling quickly and often above the asking price. As of October 2024, the median sold price for homes in the county was $187,500, reflecting a 4.2% increase from the previous year. The median price per square foot was reported at $125. Genesee County includes several notable cities, with Batavia being the largest and serving as the county seat. Batavia has a population of approximately 15,000 residents. Other significant towns include Le Roy, with a population of around 7,500, and Pembroke, which has about 4,000 residents. These cities contribute to the county's economic and cultural landscape. Living in Genesee County offers a blend of rural and suburban experiences. The county is known for its agricultural roots, with farming and agriculture playing a significant role in the local economy. Additionally, manufacturing and healthcare are top industries in the area. The county attracts residents seeking a quieter lifestyle with access to suburban amenities, and its strategic location between Buffalo and Rochester makes it appealing for those looking to balance rural living with proximity to 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 areaBataviaMapped market area
Area code12860CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Genesee County

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

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