NY mortgage rates

St. Lawrence County

Clear, current 2026 mortgage and refinance loan limits for homeowners in St. Lawrence 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

St. Lawrence 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 St. Lawrence 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 St. Lawrence

A local view of the market.

The real estate market in St. Lawrence County, New York, has seen significant growth, with the median home list price reaching $179,900 in October 2024, marking a 29.4% increase from the previous year. This rise in home values reflects a broader trend of increasing demand and limited supply, which has characterized the local market over the past year. St. Lawrence County is home to several notable cities, including Potsdam, Canton, Ogdensburg, and Massena. Potsdam, known for its educational institutions, has a population of approximately 16,000. Canton, the county seat, has around 11,000 residents and is known for its vibrant community life. Ogdensburg, with a population of about 10,000, is a key port city on the St. Lawrence River, while Massena, with around 12,000 residents, is known for its industrial base and proximity to the Canadian border. Living in St. Lawrence County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and small-town charm. The county's economy is supported by industries such as education, healthcare, and manufacturing. Real estate migration patterns indicate that people are moving to the county for its affordable housing, scenic landscapes, and the appeal of a quieter, rural lifestyle. The county's agricultural roots and suburban developments provide a diverse living environment that attracts both families and retirees.

County snapshot

Market context.

NY

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

Market areaOgdensburg-MassenaMapped market area
Area code36300CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in St. Lawrence County

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

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