NY mortgage rates

Wyoming County

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

Wyoming 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 Wyoming 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 Wyoming

A local view of the market.

Wyoming County, New York, has seen a notable increase in its real estate market, with the median home sold price reaching $175,000 as of October 2024, reflecting a 9.4% rise from the previous year. This growth indicates a seller's market, where homes are selling quickly and often above the asking price. The county's real estate market is characterized by a diverse range of properties, appealing to both buyers and investors. The county includes several prominent towns such as Warsaw, Perry, and Attica. Warsaw, the county seat, is a small town with a population of around 5,000 residents, offering a quaint community atmosphere. Perry is known for its proximity to Letchworth State Park and has a population of approximately 3,500, while Attica, with about 2,500 residents, is recognized for its historical significance and small-town charm. Living in Wyoming County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as agriculture, manufacturing, and healthcare. The area's rural charm, combined with affordable housing and a peaceful lifestyle, attracts individuals and families seeking a quieter, more community-focused environment. This migration pattern is driven by the desire for a balanced lifestyle away from the hustle and bustle of urban centers.

Questions & Answers

Refinancing in Wyoming County

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

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