NY mortgage rates

Nassau County

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

Nassau County

Conforming Loan Limits

Per property
1 unit$1,209,750
2 units$1,548,975
3 units$1,872,225
4 units$2,326,875

FHA Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

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 Nassau 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 Nassau

A local view of the market.

Nassau County, New York, has a dynamic real estate market characterized by a significant increase in home values. As of October 2024, the median listing home price in the county was approximately $849,000, reflecting a 13.2% year-over-year increase. This upward trend highlights the county's strong demand and competitive housing market. The county is home to several prominent cities, with Hempstead being the largest, boasting a population of around 785,678. Other notable cities include Oyster Bay and North Hempstead, with populations of approximately 297,782 and 235,781, respectively. These cities contribute significantly to the county's overall population and economic activity. Living in Nassau County offers a predominantly suburban experience, with a mix of residential communities and commercial areas. The county is known for its high standard of living, driven by industries such as healthcare, education, and retail. Migration patterns show that while some residents move out due to high living costs, others are attracted by the county's proximity to New York City and its suburban lifestyle.

County snapshot

Market context.

NY

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

Market areaNew York-Newark-Jersey CityMapped market area
Area code35620CBSA / MSA reference
Featured communitiesLynbrook · Freeport · MineolaFrom the county record
Data year2026Aligned with this limit record
LynbrookFreeportMineola
Top cities & communities

Communities to explore.

LynbrookFreeportMineolaHempsteadValley StreamRockville CentreGardenGlen CoveLong Beach
Questions & Answers

Refinancing in Nassau County

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

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