NY mortgage rates

Orleans County

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

Orleans 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 Orleans 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 Orleans

A local view of the market.

The real estate market in Orleans County, New York, has seen a positive trend, with the average home value reaching $185,911, marking a 5.7% increase over the past year. Homes in the area typically go to pending status in about 12 days, indicating a relatively active market. Orleans County includes several key cities, with Albion and Medina being among the most notable. Albion serves as the county seat and has a population of approximately 5,900 residents, while Medina is home to around 6,000 people. These towns are central to the county's community life and provide a mix of small-town charm and essential services. Living in Orleans County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its farming and agricultural activities, contributing to a peaceful, rural atmosphere. Suburban life is also present, with communities offering a quieter alternative to urban living. The top industries include agriculture, manufacturing, and healthcare, attracting individuals seeking a more relaxed lifestyle away from the hustle and bustle of larger cities. Migration patterns suggest that people are moving to Orleans County for its affordable housing and quality of life.

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 Orleans County

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

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