NY mortgage rates

Lewis County

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

Lewis 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 Lewis 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 Lewis

A local view of the market.

Lewis County, New York, presents a stable real estate market with a median home sold price of approximately $166,450 as of October 2024, reflecting a 2.4% increase from the previous year. The median price per square foot stands at $106, indicating a modest appreciation in property values over the past year. The county is home to several notable towns, including Lowville, which is the county seat and has a population of around 3,400 residents. Other significant towns include Croghan, with a population of approximately 3,000, and Lyons Falls, which is smaller but known for its scenic beauty and community events. Lewis County is predominantly rural, with a landscape characterized by farms and agricultural activities, making it an attractive destination for those seeking a quieter, more pastoral lifestyle. The top industries in the area include agriculture, forestry, and manufacturing, which support the local economy. The county has seen a trend of people moving in for its affordable housing and the appeal of rural living, away from the hustle and bustle of urban centers.

Questions & Answers

Refinancing in Lewis County

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

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