NY mortgage rates

Schenectady County

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

Schenectady 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 Schenectady 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 Schenectady

A local view of the market.

Schenectady County, New York, has a dynamic real estate market with a median listing home price of $297,900 as of October 2024, reflecting a 16.4% increase year-over-year. The median home sold price is slightly lower at $273,500, indicating a competitive market where homes often sell close to the listing price. The county includes several prominent cities, with Schenectady being the largest and most well-known. Schenectady has a median listing home price of $274,900. Other notable cities include Rotterdam, with a median listing price of $272,400, and Glenville, where homes are listed at a median price of $305,000. Niskayuna, known for its higher-end market, has a median listing price of $440,000. Living in Schenectady County offers a mix of suburban and rural experiences, with suburban areas providing a more community-oriented lifestyle and rural parts offering expansive land and agricultural opportunities. The county's economy is supported by industries such as healthcare, education, and technology, attracting new residents seeking employment and a balanced lifestyle. The area's affordability, coupled with its proximity to Albany and natural attractions, makes it an appealing destination for those relocating from more urbanized regions.

County snapshot

Market context.

NY

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaAlbany-Schenectady-TroyMapped market area
Area code10580CBSA / MSA reference
Featured communitySchenectadyFrom the county record
Data year2026Aligned with this limit record
Schenectady
Top cities & communities

Communities to explore.

Schenectady
Questions & Answers

Refinancing in Schenectady County

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

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