NY mortgage rates

Kings County

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

Kings County

Conforming Loan Limits

Per property
1 unit$1,209,750
2 units$1,548,975
3 units$1,872,225
4 units$2,326,875

FHA Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

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 Kings 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 Kings

A local view of the market.

Kings County, New York, commonly known as Brooklyn, has a dynamic real estate market with an average home value of approximately $844,845, reflecting a 2.3% increase over the past year. Homes in this area typically go to pending status within about 72 days. Brooklyn, the most populous borough of New York City, is the primary city within Kings County, boasting a population of over 2.7 million residents. It is characterized by its diverse neighborhoods, cultural attractions, and vibrant community life, making it a desirable location for many. Kings County offers a predominantly urban lifestyle with a mix of suburban areas, providing a unique blend of city living with pockets of quieter neighborhoods. The county's economy is driven by industries such as healthcare, retail, and professional services. Many people are drawn to Brooklyn for its cultural diversity, employment opportunities, and the vibrant urban environment, contributing to ongoing migration into the area.

County snapshot

Market context.

NY

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

Market areaNew York-Newark-Jersey CityMapped market area
Area code35620CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Kings County

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

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