NY mortgage rates

Tioga County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Tioga 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.

View all New York counties
Refinance Payment Estimate

Estimate Your Refinance in Tioga 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 Tioga

A local view of the market.

The real estate market in Tioga County, New York, has seen a notable increase in home values. As of October 2024, the median listing price for homes in the county was approximately $197,250, reflecting a 1.2% increase from the previous month. The average home value in the area is around $188,941, which has risen by 6.3% over the past year. The county's top cities include Owego, Waverly, and Apalachin. Owego, the largest village, has a population of about 3,700 residents. Waverly, another significant village, is home to around 4,400 people. Apalachin, a smaller community, has a population of approximately 1,100 residents. Living in Tioga County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The area is known for its scenic landscapes and farming activities, making it attractive for those seeking a quieter, country lifestyle. The top industries include agriculture, manufacturing, and healthcare. People may be drawn to Tioga County for its affordable housing, natural beauty, and the opportunity to live in a community-oriented environment.

County snapshot

Market context.

NY

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

Market areaBinghamtonMapped market area
Area code13780CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Tioga County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.