NY mortgage rates

Rockland County

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

Rockland 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 Rockland 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 Rockland

A local view of the market.

The real estate market in Rockland County, New York, is experiencing a notable increase in home values. As of October 2024, the median home sold price was $650,420, reflecting a 10.8% rise from the previous year. This increase indicates a robust market where homes are selling at higher prices compared to the past year. Rockland County is home to several prominent cities, including New City, Spring Valley, and Nyack. New City, the county seat, has a population of approximately 34,000 residents. Spring Valley is another significant area with a diverse community and a population of around 32,000. Nyack, known for its vibrant arts scene and historic charm, has a smaller population of about 7,000, making it a quaint yet culturally rich place to live. Living in Rockland County offers a mix of suburban and rural lifestyles. The county is characterized by its suburban neighborhoods, with some areas offering a more rural feel, including farms and agricultural lands. The top industries in Rockland County include healthcare, education, and retail trade. The county attracts new residents due to its proximity to New York City, offering a quieter lifestyle while still being accessible to urban amenities. This migration pattern is driven by individuals and families seeking more space and a community-oriented environment.

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
Featured communitySpring ValleyFrom the county record
Data year2026Aligned with this limit record
Spring Valley
Top cities & communities

Communities to explore.

Spring Valley
Questions & Answers

Refinancing in Rockland County

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

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