NY mortgage rates

Washington County

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

Washington 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 Washington 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 Washington

A local view of the market.

In Washington County, New York, the real estate market is experiencing a slight decline, with the median listing home price at $249,900 as of October 2024, reflecting a 4.6% decrease year-over-year. The median price per square foot is $156, and homes are selling close to the asking price, with a sale-to-list price ratio of 98.74%. The county includes several notable towns, such as Granville, Hudson Falls, and Fort Edward. Granville has a median listing home price of $199,900, while Hudson Falls is slightly higher at $217,000. Fort Edward, known for its historic sites, has a median listing price of $275,200. These towns offer a mix of affordable housing options and are integral parts of the county's community. Washington County is predominantly rural, with a strong emphasis on agriculture, which plays a significant role in the local economy. The area offers a blend of rural and suburban living, attracting those seeking a quieter lifestyle away from urban centers. The county's top industries include agriculture, manufacturing, and healthcare. People are drawn to Washington County for its scenic landscapes, lower cost of living, and the opportunity to engage in outdoor activities, making it a desirable location for those looking to relocate from more densely populated areas.

County snapshot

Market context.

NY

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

Market areaGlens FallsMapped market area
Area code24020CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Washington County

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

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