NY mortgage rates

Suffolk County

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

Suffolk 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 Suffolk 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 Suffolk

A local view of the market.

Suffolk County, New York, has a dynamic real estate market with a median home value of approximately $658,406, reflecting a 7.8% increase over the past year. The market is considered balanced, with homes typically selling for around the asking price. The county is home to several prominent cities, including Huntington, with a population of about 203,264, and Smithtown, which has around 117,801 residents. Other notable cities include Brookhaven, the largest town in the county, and Islip, both of which contribute significantly to the county's population and economic activity. Living in Suffolk County offers a mix of suburban and rural experiences. The county is known for its agricultural activities, including vineyards and farms, alongside suburban developments. Key industries include healthcare, education, and retail, attracting people seeking employment and a balanced lifestyle. The county's proximity to New York City also makes it an attractive location for those looking to escape the urban hustle while remaining connected to metropolitan amenities.

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 communityLindenhurstFrom the county record
Data year2026Aligned with this limit record
Lindenhurst
Top cities & communities

Communities to explore.

Lindenhurst
Questions & Answers

Refinancing in Suffolk County

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

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