NY mortgage rates

Putnam County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Putnam 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.

View all New York counties
Refinance Payment Estimate

Estimate Your Refinance in Putnam 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 Putnam

A local view of the market.

The real estate market in Putnam County, New York, is currently a seller's market, with the median home sold price reaching $514,555 in October 2024, marking a 14.3% increase from the previous year. Homes in the area are selling for an average of $278 per square foot, indicating a strong demand and competitive pricing environment. Putnam County is home to several notable cities, including Carmel, Brewster, and Cold Spring. Carmel is the largest town in the county, serving as a central hub for the local community. Brewster, known for its charming village atmosphere, and Cold Spring, with its historic sites and scenic views, are also significant population centers within the county. Living in Putnam County offers a blend of rural and suburban experiences. The area is characterized by its picturesque landscapes, including farms and open spaces, which contribute to its rural charm. At the same time, suburban life is prevalent, with residential communities and local amenities. The top industries in the county include healthcare, education, and retail, attracting individuals seeking a balanced lifestyle. People are moving to Putnam County for its peaceful environment, proximity to New York City, and the appeal of a suburban lifestyle with access to natural beauty.

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
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Putnam County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.