NY mortgage rates

Monroe County

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

Monroe 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 Monroe 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 Monroe

A local view of the market.

Monroe County, New York, has experienced a steady increase in real estate values, with the median home sold price reaching $240,545 in October 2024, reflecting a 6.4% rise from the previous year. The county remains a seller's market, indicating that demand continues to outpace supply, leading to higher prices and faster sales. The county is home to several prominent cities, including Rochester, Irondequoit, and Greece. Rochester, the largest city, has a population of approximately 210,000, while Irondequoit and Greece have populations of around 50,000 and 96,000, respectively. These cities offer a mix of urban and suburban living, contributing to their appeal among residents. Monroe County offers a diverse living environment with both suburban and rural areas. While the suburban regions provide a more urban lifestyle with amenities and services, the rural parts of the county are known for agriculture and farming. The top industries in the county include healthcare, education, and manufacturing, which attract people seeking employment opportunities. Additionally, the county's affordable housing market and quality of life make it an attractive destination for those relocating from more expensive areas.

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
Featured communityRochesterFrom the county record
Data year2026Aligned with this limit record
Rochester
Top cities & communities

Communities to explore.

Rochester
Questions & Answers

Refinancing in Monroe County

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

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