NY mortgage rates

Tompkins County

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

Tompkins 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 Tompkins 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 Tompkins

A local view of the market.

Tompkins County, New York, has a dynamic real estate market with a median listing home price of $380,000 as of October 2024, reflecting a 16.9% increase year-over-year. The median price per square foot is $201, and the median home sold price is $340,000, indicating a competitive seller's market where homes typically sell for about the asking price. The county's top cities include Ithaca, with a population of approximately 33,573, making it the largest city in the county. Other notable cities are Dryden, with a population of 13,181, and Lansing, home to 11,575 residents. Living in Tompkins County offers a mix of urban, suburban, and rural experiences. The area is known for its educational institutions, including Cornell University and Ithaca College, which are major employers. The county's economy is supported by industries such as education, manufacturing, tourism, and agriculture. The diverse landscape and quality of life attract people seeking both suburban and rural lifestyles, contributing to steady population and business growth.

County snapshot

Market context.

NY

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

Market areaIthacaMapped market area
Area code27060CBSA / MSA reference
Featured communityIthacaFrom the county record
Data year2026Aligned with this limit record
Ithaca
Top cities & communities

Communities to explore.

Ithaca
Questions & Answers

Refinancing in Tompkins County

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

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