NY mortgage rates

Sullivan County

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

Sullivan 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 Sullivan 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 Sullivan

A local view of the market.

Sullivan County, New York, is experiencing a dynamic real estate market with a median listing home price of $399,000 as of October 2024, marking a 14% increase year-over-year. The median sold home price is slightly lower at $340,800, indicating a buyer's market where homes typically sell for about 3.27% below the asking price. The county includes several notable cities, with Monticello being one of the most prominent, featuring a median listing home price of $394,000. Liberty, known for its affordability, has a median listing price of $279,000. Other significant areas include Livingston Manor and Wurtsboro, with median listing prices of $489,000 and $375,000, respectively. Living in Sullivan County offers a mix of rural and suburban lifestyles, with a strong presence of agriculture and farming. The county is known for its scenic landscapes and outdoor recreational opportunities, attracting those seeking a quieter, nature-oriented lifestyle. The top industries include tourism, agriculture, and healthcare, contributing to a trend of people moving to the area for its natural beauty and more affordable living compared to urban centers.

Questions & Answers

Refinancing in Sullivan County

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

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