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.

2024 Conforming loan limits for New York

County Name	One Family	Two Family	Three Family	Four Family

Albany County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Allegany County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Bronx County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Broome County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Cattaraugus County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Cayuga County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Chautauqua County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Chemung County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Chenango County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Clinton County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Columbia County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Cortland County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Delaware County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Dutchess County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Erie County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Essex County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Franklin County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Fulton County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Genesee County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Greene County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Hamilton County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Herkimer County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Jefferson County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Kings County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Lewis County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Livingston County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Madison County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Monroe County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Montgomery County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Nassau County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
New York County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Niagara County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Oneida County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Onondaga County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Ontario County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Orange County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Orleans County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Oswego County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Otsego County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Putnam County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Queens County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Rensselaer County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Richmond County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Rockland County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Saratoga County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Schenectady County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Schoharie County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Schuyler County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Seneca County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
St. Lawrence County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Steuben County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Suffolk County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Sullivan County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Tioga County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Tompkins County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Ulster County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Warren County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Washington County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Wayne County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Westchester County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Wyoming County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Yates County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400

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

New York Mortgages

2024 Conforming loan limits for New York

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