NY mortgage rates

Steuben County

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

Steuben 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 Steuben 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 Steuben

A local view of the market.

In Steuben County, New York, the real estate market has seen a notable increase in home values. As of October 2024, the median home sold price was $165,000, reflecting a 12.6% rise from the previous year. The average home value in the county is approximately $165,091, marking a 3.7% increase over the past year. The top cities in Steuben County include Corning, Hornell, and Bath. Corning is known for its glass and ceramics industry and has a population of around 11,000. Hornell, with a population of about 8,500, is recognized for its transportation history. Bath, serving as the county seat, has a population of approximately 5,700 and is known for its historical architecture and community events. Living in Steuben County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and small-town life. The county's economy is supported by industries such as manufacturing, healthcare, and education. People are drawn to Steuben County for its affordable housing, scenic landscapes, and the opportunity for a quieter lifestyle away from urban centers. The county's real estate market attracts those seeking a balance between rural charm and suburban convenience.

County snapshot

Market context.

NY

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

Market areaCorningMapped market area
Area code18500CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Steuben County

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

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