NY mortgage rates

Ontario County

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

Ontario 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 Ontario 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 Ontario

A local view of the market.

The real estate market in Ontario County, New York, is currently a seller's market, with the median home sold price reaching $302,550 as of October 2024. This represents an 8.2% increase from the previous year, reflecting a trend of rising home values in the area. Homes are selling at a median price of $174 per square foot, indicating a competitive market environment. Ontario County is home to several key cities, including Canandaigua, Geneva, and Victor. Canandaigua, known for its scenic beauty and lakefront access, has a population of approximately 10,500 residents. Geneva, with a population of around 13,000, is a hub for education and tourism, thanks to its location near the Finger Lakes and Hobart and William Smith Colleges. Victor, a rapidly growing suburb, has about 15,000 residents and offers a mix of suburban and rural living. Living in Ontario County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its vineyards and farms, contributing to a strong agricultural sector. Suburban life is prominent in areas like Victor and Farmington, where residents enjoy proximity to Rochester's metropolitan amenities. The county attracts new residents due to its natural beauty, quality of life, and employment opportunities in sectors such as education, healthcare, and agriculture. This migration pattern is driven by the appeal of a balanced lifestyle and the availability of affordable housing options compared to larger urban centers.

County snapshot

Market context.

NY

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

Market areaRochesterMapped market area
Area code40380CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Ontario County

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

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