NY mortgage rates

New York County

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

New York 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 New York 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 New York

A local view of the market.

New York County, also known as Manhattan, is a dynamic real estate market characterized by high property values. As of 2024, the median home value in New York County is approximately $1,126,369, reflecting a slight decrease of 2.6% over the past year. This market remains competitive, with homes typically going to pending status in about 97 days. The county is synonymous with New York City, which is the most populous city in the United States, boasting a population of over 8.3 million. Other notable areas within the county include neighborhoods like Harlem and the Upper East Side, each offering unique cultural and historical significance. Living in New York County offers a quintessential urban experience, with a landscape dominated by skyscrapers and a vibrant city life. The county is predominantly urban, with little to no rural or agricultural areas. Key industries include finance, media, and technology, attracting professionals from around the globe. The allure of career opportunities, cultural diversity, and world-class amenities continues to drive migration to the county, despite the high cost of living.

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 communityNew YorkFrom the county record
Data year2026Aligned with this limit record
New York
Top cities & communities

Communities to explore.

New York
Questions & Answers

Refinancing in New York County

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

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