Mortgage Rates in New York | Refinance Rates

While homes in New York City and some suburbs are notoriously expensive, communities in Rochester, Syracuse, Albany, and other areas of the state are more reasonably priced. No matter what part of the state you live in, it makes sense to compare NY mortgage rates if you are considering buying a home.

Whether you are a first-time buyer or a homeowner who wants to refinance, check current NY mortgage rates before you commit to a loan to make sure you are getting the lowest possible interest rate and the lowest possible costs. After you review New York mortgage rates, you can contact a lender featured on HSH.com to get an industry expert's take on your home financing options.

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2025 Conforming loan limits for New York

County Name	One Family	Two Family	Three Family	Four Family

Albany County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Allegany County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Bronx County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Broome County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Cattaraugus County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Cayuga County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Chautauqua County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Chemung County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Chenango County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Clinton County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Columbia County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Cortland County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Delaware County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Dutchess County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Erie County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Essex County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Franklin County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Fulton County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Genesee County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Greene County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Hamilton County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Herkimer County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Jefferson County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Kings County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Lewis County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Livingston County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Madison County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Monroe County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Montgomery County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Nassau County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
New York County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Niagara County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Oneida County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Onondaga County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Ontario County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Orange County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Orleans County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Oswego County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Otsego County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Putnam County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Queens County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Rensselaer County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Richmond County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Rockland County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Saratoga County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Schenectady County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Schoharie County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Schuyler County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Seneca County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
St. Lawrence County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Steuben County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Suffolk County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Sullivan County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Tioga County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Tompkins County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Ulster County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Warren County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Washington County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Wayne County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Westchester County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Wyoming County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Yates County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250

Mortgage Rates in New York | Refinance Rates | HSH Lender Showcase

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2025 Conforming loan limits for New York

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