NY mortgage rates

Richmond County

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

Richmond 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 Richmond 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 Richmond

A local view of the market.

Richmond County, New York, primarily known as Staten Island, has seen a robust real estate market in 2024. The median home sold price in October 2024 was approximately $710,000, reflecting a slight decrease from the previous month but still indicating a strong market. The average home value in the area is around $673,995, marking a 3.1% increase over the past year. Staten Island is the primary city within Richmond County, with a population of about 475,000 residents. It is the least populated of the five boroughs of New York City but offers a suburban feel with a mix of urban amenities. The borough is known for its parks and green spaces, making it an attractive place for families and individuals seeking a quieter lifestyle close to Manhattan. Living in Richmond County offers a blend of suburban and urban experiences. The area is predominantly suburban, with a focus on residential neighborhoods rather than rural or agricultural land. The top industries include healthcare, retail, and education, providing ample employment opportunities. The county attracts people looking for more space and a slower pace of life compared to the bustling environment of Manhattan, often appealing to those who prioritize family-friendly communities and access to nature.

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 Richmond 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.