NY mortgage rates

Onondaga County

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

Onondaga 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 Onondaga 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 Onondaga

A local view of the market.

The real estate market in Onondaga County, New York, is currently a seller's market, with a median home price of $232,174, reflecting a 6.1% increase over the past year. Homes are selling quickly, often above the asking price, indicating strong demand and competitive conditions for buyers. Onondaga County includes several prominent cities, with Syracuse being the largest, boasting a population of approximately 148,000 residents. Other notable cities include Clay, with around 59,000 residents, and Cicero, home to about 31,000 people. These cities are key contributors to the county's economic and cultural landscape. Living in Onondaga County offers a mix of suburban and rural experiences. The county features suburban areas with a variety of amenities and rural landscapes that support agriculture and farming. The top industries include education, healthcare, and manufacturing, attracting people seeking employment opportunities. Additionally, the county's affordable housing and quality of life are appealing to those moving from more expensive urban 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 areaSyracuseMapped market area
Area code45060CBSA / MSA reference
Featured communitySyracuseFrom the county record
Data year2026Aligned with this limit record
Syracuse
Top cities & communities

Communities to explore.

Syracuse
Questions & Answers

Refinancing in Onondaga County

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

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