NY mortgage rates

Westchester County

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

Westchester 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 Westchester 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 Westchester

A local view of the market.

Westchester County, New York, is experiencing a dynamic real estate market in 2024. The median home value in the county is approximately $799,879, reflecting a 6.0% increase over the past year. Homes in Westchester typically go to pending status in about 29 days, indicating a competitive market environment. The county is home to several prominent cities, including Yonkers, New Rochelle, and White Plains. Yonkers, the most populous city, has a population of around 200,000 residents. New Rochelle and White Plains follow with populations of approximately 79,000 and 59,000, respectively. These cities are known for their vibrant communities and diverse amenities. Living in Westchester County offers a blend of suburban and rural experiences. The county is characterized by its suburban life, with a mix of residential neighborhoods and commercial areas. Agriculture and small farms are present, contributing to the rural charm in some parts. The top industries include healthcare, education, and finance, attracting people seeking employment opportunities. The county's proximity to New York City makes it a desirable location for those looking to escape the city's hustle while maintaining access to urban 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 communitiesMamaroneck · Harrison · OssiningFrom the county record
Data year2026Aligned with this limit record
MamaroneckHarrisonOssining
Top cities & communities

Communities to explore.

MamaroneckHarrisonOssiningPeekskillMount VernonYonkersWhite PlainsNew RochellePort Chester
Questions & Answers

Refinancing in Westchester County

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

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