NY mortgage rates

Schoharie County

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

Schoharie 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 Schoharie 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 Schoharie

A local view of the market.

Schoharie County, New York, has seen a significant increase in real estate values, with the median listing home price reaching $330,000 as of October 2024, marking a 20.2% rise from the previous year. This upward trend reflects a growing interest in the area's housing market, driven by its scenic landscapes and rural charm. The county's largest city, Cobleskill, has a population of approximately 6,092, making it a central hub for commerce and education in the region. Other notable towns include Middleburgh, with a population of 3,117, and Schoharie, home to 3,119 residents. These towns offer a blend of small-town living with access to essential amenities. Living in Schoharie County offers a predominantly rural lifestyle, with agriculture being the primary industry. The county is known for its extensive farmland and local produce, attracting those seeking a quieter, more agrarian way of life. The area's natural beauty and agricultural opportunities are key factors driving migration to the county, as people look for more space and a connection 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 areaAlbany-Schenectady-TroyMapped market area
Area code10580CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Schoharie County

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

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