NY mortgage rates

Queens County

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

Queens 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.

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Refinance Payment Estimate

Estimate Your Refinance in Queens 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 Queens

A local view of the market.

The real estate market in Queens County, NY, is experiencing growth, with the average home value reaching $704,260, marking a 3.1% increase over the past year. Homes in this area typically go to pending status in about 62 days, indicating a relatively active market. Queens County encompasses several notable neighborhoods and areas, with some of the most populous being Flushing, Astoria, and Jamaica. Flushing is known for its vibrant cultural diversity and has a population of approximately 72,000 residents. Astoria, with its rich history and dynamic arts scene, houses around 95,000 people, while Jamaica serves as a major transportation hub and has a population of about 217,000. Living in Queens County offers a predominantly suburban lifestyle, with a mix of urban conveniences and residential neighborhoods. The area is not known for rural or agricultural activities but rather for its diverse communities and suburban life. Key industries include healthcare, retail, and transportation, which attract many residents. Migration patterns often show people moving to Queens for its cultural diversity, employment opportunities, and relatively affordable housing compared to Manhattan.

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 Queens County

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

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