NY mortgage rates

Montgomery County

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

Montgomery 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 Montgomery 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 Montgomery

A local view of the market.

Montgomery County, New York, has seen a notable increase in its real estate market, with the median listing home price reaching $200,000 in October 2024, reflecting an 11.1% year-over-year growth. The median price per square foot stands at $137, and homes are selling for a median price of $188,000, indicating a balanced market where supply and demand are relatively equal. The county includes several key cities, with Amsterdam being the largest, offering a median home price of $215,000. Other notable cities include Fort Plain, with a median home price of $244,000, and Canajoharie, where homes are listed at a median price of $175,000. These cities provide a range of housing options and are central to the county's residential landscape. Living in Montgomery County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its scenic landscapes and farming communities, which attract individuals seeking a quieter, rural lifestyle. The top industries include manufacturing and agriculture, and the area sees migration from urban centers as people look for affordable housing and a more relaxed pace of life.

County snapshot

Market context.

NY

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

Market areaAmsterdamMapped market area
Area code11220CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Montgomery County

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

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