NY mortgage rates

Livingston County

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

Livingston 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 Livingston 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 Livingston

A local view of the market.

The real estate market in Livingston County, New York, is currently characterized by a seller's market, with a median home sold price of approximately $236,666 as of October 2024, reflecting a significant increase of 21.4% from the previous year. The median price per square foot stands at $140, indicating a competitive market where homes are selling quickly. Livingston County is home to several notable towns and villages, including Geneseo, which serves as the county seat and has a population of around 8,000 residents. Another key area is the village of Dansville, with a population of about 4,500 people, known for its historical significance and community events. These towns are central to the county's cultural and economic activities. Livingston County offers a mix of rural and suburban living, with a strong presence of agriculture and farming, which are integral to its economy. The county's landscape is dotted with farms and open spaces, appealing to those seeking a quieter, more rural lifestyle. The top industries include agriculture, education, and healthcare, attracting individuals and families looking for a balance between suburban amenities and rural charm. The county's appeal is enhanced by its scenic beauty and proximity to larger urban areas, making it a desirable location for those looking to relocate from more densely populated regions.

County snapshot

Market context.

NY

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

Market areaRochesterMapped market area
Area code40380CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Livingston County

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

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