NY mortgage rates

Niagara County

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

Niagara 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 Niagara 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 Niagara

A local view of the market.

Niagara County, New York, has seen a notable increase in real estate market activity in 2024. The median listing home price in the county is approximately $219,100, reflecting a 10.6% increase from the previous year. The median home sold price is slightly higher at $247,500, indicating a competitive market where homes often sell at or above the asking price. The top cities in Niagara County include Niagara Falls, Lockport, and North Tonawanda. Niagara Falls is the most affordable with a median listing home price of $129,900. Lockport has a median price of $237,500, and North Tonawanda is slightly higher at $272,400. These cities are significant population centers within the county, contributing to the area's economic and cultural vibrancy. Living in Niagara County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape supports both farming and suburban lifestyles, attracting residents who appreciate a balance of open spaces and community amenities. Key industries include manufacturing, healthcare, and education, which support local employment. The county's affordability and quality of life are appealing to those moving from more urbanized areas, seeking a quieter, more spacious living environment.

County snapshot

Market context.

NY

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

Market areaBuffalo-CheektowagaMapped market area
Area code15380CBSA / MSA reference
Featured communitiesLockport · North Tonawanda · Niagara FallsFrom the county record
Data year2026Aligned with this limit record
LockportNorth TonawandaNiagara Falls
Top cities & communities

Communities to explore.

LockportNorth TonawandaNiagara Falls
Questions & Answers

Refinancing in Niagara County

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

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