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2025 FHA Loan Limits in New York

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While borrowers access FHA loans through private lenders, these loans are regulated and backed by the Federal Housing Administration. This means they must meet specific requirements, including a limit on the amount consumers can borrow for a property.

New York FHA loan limits for 2025 range from $524,225 for single-family homes in most areas to $1,209,750 in more expensive metro areas throughout the state. Read on for an overview of how FHA loan limits work throughout New York and how to qualify for this type of loan when you’re ready to purchase a home.

New York FHA loan limits by county

New York single-family FHA loan limits

County name	One unit	Two units	Three units	Four units	Median sales price
ALBANY	$524,225	$671,200	$811,275	$1,008,300	$395,000
ALLEGANY	$524,225	$671,200	$811,275	$1,008,300	$175,000
BRONX	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,138,000
BROOME	$524,225	$671,200	$811,275	$1,008,300	$160,000
CATTARAUGUS	$524,225	$671,200	$811,275	$1,008,300	$103,000
CAYUGA	$524,225	$671,200	$811,275	$1,008,300	$165,000
CHAUTAUQUA	$524,225	$671,200	$811,275	$1,008,300	$137,000
CHEMUNG	$524,225	$671,200	$811,275	$1,008,300	$130,000
CHENANGO	$524,225	$671,200	$811,275	$1,008,300	$110,000
CLINTON	$524,225	$671,200	$811,275	$1,008,300	$180,000
COLUMBIA	$524,225	$671,200	$811,275	$1,008,300	$356,000
CORTLAND	$524,225	$671,200	$811,275	$1,008,300	$175,000
DELAWARE	$524,225	$671,200	$811,275	$1,008,300	$171,000
DUTCHESS	$524,225	$671,200	$811,275	$1,008,300	$420,000
ERIE	$524,225	$671,200	$811,275	$1,008,300	$250,000
ESSEX	$524,225	$671,200	$811,275	$1,008,300	$204,000
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300	$120,000
FULTON	$524,225	$671,200	$811,275	$1,008,300	$142,000
GENESEE	$524,225	$671,200	$811,275	$1,008,300	$165,000
GREENE	$524,225	$671,200	$811,275	$1,008,300	$275,000
HAMILTON	$524,225	$671,200	$811,275	$1,008,300	$219,000
HERKIMER	$524,225	$671,200	$811,275	$1,008,300	$187,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$186,000
KINGS	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,138,000
LEWIS	$524,225	$671,200	$811,275	$1,008,300	$124,000
LIVINGSTON	$524,225	$671,200	$811,275	$1,008,300	$275,000
MADISON	$524,225	$671,200	$811,275	$1,008,300	$221,000
MONROE	$524,225	$671,200	$811,275	$1,008,300	$275,000
MONTGOMERY	$524,225	$671,200	$811,275	$1,008,300	$155,000
NASSAU	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,138,000
NEW YORK	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,138,000
NIAGARA	$524,225	$671,200	$811,275	$1,008,300	$250,000
ONEIDA	$524,225	$671,200	$811,275	$1,008,300	$187,000
ONONDAGA	$524,225	$671,200	$811,275	$1,008,300	$221,000
ONTARIO	$524,225	$671,200	$811,275	$1,008,300	$275,000
ORANGE	$524,225	$671,200	$811,275	$1,008,300	$420,000
ORLEANS	$524,225	$671,200	$811,275	$1,008,300	$275,000
OSWEGO	$524,225	$671,200	$811,275	$1,008,300	$221,000
OTSEGO	$524,225	$671,200	$811,275	$1,008,300	$173,000
PUTNAM	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,138,000
QUEENS	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,138,000
RENSSELAER	$524,225	$671,200	$811,275	$1,008,300	$395,000
RICHMOND	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,138,000
ROCKLAND	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,138,000
SARATOGA	$524,225	$671,200	$811,275	$1,008,300	$395,000
SCHENECTADY	$524,225	$671,200	$811,275	$1,008,300	$395,000
SCHOHARIE	$524,225	$671,200	$811,275	$1,008,300	$395,000
SCHUYLER	$524,225	$671,200	$811,275	$1,008,300	$160,000
SENECA	$524,225	$671,200	$811,275	$1,008,300	$172,000
ST. LAWRENCE	$524,225	$671,200	$811,275	$1,008,300	$106,000
STEUBEN	$524,225	$671,200	$811,275	$1,008,300	$131,000
SUFFOLK	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,138,000
SULLIVAN	$524,225	$671,200	$811,275	$1,008,300	$229,000
TIOGA	$524,225	$671,200	$811,275	$1,008,300	$160,000
TOMPKINS	$524,225	$671,200	$811,275	$1,008,300	$275,000
ULSTER	$524,225	$671,200	$811,275	$1,008,300	$380,000
WARREN	$524,225	$671,200	$811,275	$1,008,300	$275,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$275,000
WAYNE	$524,225	$671,200	$811,275	$1,008,300	$275,000
WESTCHESTER	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,138,000
WYOMING	$524,225	$671,200	$811,275	$1,008,300	$150,000
YATES	$524,225	$671,200	$811,275	$1,008,300	$275,000

How are FHA loan limits determined?

Loan limits for FHA loans are updated regularly to reflect the increasing costs of housing throughout the county. These limits have both a mortgage limit “floor” and a “ceiling,” which reflect the variable costs of housing nationwide. Where areas of the country with the highest cost of living allow FHA loans in much larger amounts, areas with more affordable housing use the lower threshold as their FHA loan limit.

For 2025, FHA loan limits for single-family homes range from $524,225 to $1,209,750 nationwide. Higher limits also apply for multifamily properties with two to four units.

How to qualify for an FHA loan in New York

FHA loans come with a range of benefits for future homeowners, including the potential for a down payment as low as 3.5%, low closing costs and easy credit requirements to get approved. However, these loans have some differences from conventional mortgages, including the fact FHA mortgage insurance is charged upfront and throughout the life of the loan.

Buyers also need to find a property that falls within FHA loan limits for their county and state, whether they’re looking for homes in New York or elsewhere in the country.

Here are the main FHA loan requirements you should know about:

Minimum credit score: You may be able to qualify for a FHA loan with a credit score as low as 500 if you have a 10% down payment. If your credit score is 580 or higher, you could get a FHA loan with 3.5% down.
Down payment: Your down payment can be as low as 3.5% with a credit score of 580 or higher, or 10% if your credit score is between 500 and 579.
Debt-to-income ratio: FHA loans require a debt-to-income ratio of 43% or below. This means your monthly debt payments must make up 43% or less of your gross monthly income.
Mortgage insurance: FHA mortgage insurance is charged upfront during a home purchase, and homeowners must also pay monthly mortgage insurance premiums throughout the life of the loan.
Income limits: FHA loans do not have any income limits, which means anyone can use them provided they meet credit and down payment requirements and the home they’re buying falls within FHA loan limits for their county and state.
Occupancy: You must live in the home as your primary residence for at least one year to use this loan program, even if you’re purchasing a home with multiple units.
Loan limits: FHA loan limits also apply, which vary by county throughout the country, including in New York. As mentioned, these loan limits fall between $524,225 to $1,209,750 in 2025.
FHA appraisal: An appraisal is also required to prove the home meets FHA standards. Appraisals for FHA properties help identify the market value of a home and whether it is compliant with FHA’s minimum property standards and safe enough to be occupied.

Buying a multifamily property with an FHA loan

One of the unique benefits of FHA loans is the fact they can be used to purchase multifamily properties with up to four units, and with as little as 3.5% down. The caveat here is the fact buyers need to occupy one of the units as a primary residence for a minimum of one year.

This means buyers can’t use FHA loans for investment purposes only, but they can use them as part of a house hacking strategy. For example, someone can use a FHA loan to purchase a duplex, live in one half and rent out the other half to a tenant.

When all goes well, rent paid by the tenant can be enough to cover all or part of the mortgage for the homeowner. Also remember that homeowners need to live in the property as a primary residence for at least one year, but occupancy requirements don’t extend past that timeline.

Also remember the basic requirements to get a FHA loan apply, including:

Credit score of at least 500 with 10% down, or 580 to qualify for a 3.5% down payment
Debt-to-income ratio of 43% or below
Agreement to pay FHA mortgage insurance
Home must be a primary residence
Property cost must fall within FHA loan limits