NY mortgage rates

Madison County

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

Madison 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 Madison 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 Madison

A local view of the market.

The real estate market in Madison County, New York, has seen a notable increase in home values over the past year. As of October 2024, the median home sold price was approximately $229,733, reflecting a 4.4% increase from the previous year. The average price per square foot was around $142, indicating a steady demand in the housing market. Madison County is home to several prominent cities, including Oneida, Canastota, and Cazenovia. Oneida, the largest city, has a population of approximately 11,000 residents. Canastota follows with around 4,800 people, and Cazenovia, known for its picturesque setting and historic charm, has a population of about 7,000. These cities contribute significantly to the county's cultural and economic landscape. Living in Madison County offers a blend of rural and suburban experiences. The county is characterized by its agricultural roots, with numerous farms and open spaces, providing a rural lifestyle for many residents. However, suburban areas also exist, offering modern amenities and a community-oriented environment. The top industries in the county include agriculture, education, and healthcare. People are drawn to Madison County for its affordable housing, scenic beauty, and the balance it offers between rural tranquility and suburban convenience.

County snapshot

Market context.

NY

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

Market areaSyracuseMapped market area
Area code45060CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Madison County

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

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