FHA Loan Limits and USDA Eligibility in Albany County, New York
2026 FHA one-unit limit in Albany County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $141,600. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for New York
New York one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for New York
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EligibleIneligibleUSDA ineligible boundary
Albany County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 12007 | $541,287 | $141,600 |
| 12009 | $541,287 | $141,600 |
| 12023 | $541,287 | $141,600 |
| 12041 | $541,287 | $141,600 |
| 12045 | $541,287 | $141,600 |
| 12046 | $541,287 | $122,800 to $141,600 |
| 12047 | $541,287 | $141,600 |
| 12053 | $541,287 | $122,800 to $141,600 |
| 12054 | $541,287 | $141,600 |
| 12055 | $541,287 | $141,600 |
| 12059 | $541,287 | $141,600 |
| 12067 | $541,287 | $141,600 |
| 12077 | $541,287 | $141,600 |
| 12083 | $541,287 | $122,800 to $141,600 |
| 12084 | $541,287 | $141,600 |
| 12085 | $541,287 | $141,600 |
| 12107 | $541,287 | $141,600 |
| 12110 | $541,287 | $141,600 |
| 12120 | $541,287 | $122,800 to $141,600 |
| 12128 | $541,287 | $141,600 |
| 12143 | $541,287 | $122,800 to $141,600 |
| 12147 | $541,287 | $141,600 |
| 12158 | $541,287 | $141,600 |
| 12159 | $541,287 | $141,600 |
| 12161 | $541,287 | $141,600 |
| 12183 | $541,287 | $141,600 |
| 12186 | $541,287 | $141,600 |
| 12189 | $541,287 | $141,600 |
| 12193 | $541,287 | $141,600 |
| 12201 | $541,287 | $141,600 |
| 12202 | $541,287 | $141,600 |
| 12203 | $541,287 | $141,600 |
| 12204 | $541,287 | $141,600 |
| 12205 | $541,287 | $141,600 |
| 12206 | $541,287 | $141,600 |
| 12207 | $541,287 | $141,600 |
| 12208 | $541,287 | $141,600 |
| 12209 | $541,287 | $141,600 |
| 12210 | $541,287 | $141,600 |
| 12211 | $541,287 | $141,600 |
| 12212 | $541,287 | $141,600 |
| 12220 | $541,287 | $141,600 |
| 12222 | $541,287 | $141,600 |
| 12223 | $541,287 | $141,600 |
| 12224 | $541,287 | $141,600 |
| 12226 | $541,287 | $141,600 |
| 12227 | $541,287 | $141,600 |
| 12232 | $541,287 | $141,600 |
| 12233 | $541,287 | $141,600 |
| 12234 | $541,287 | $141,600 |
| 12235 | $541,287 | $141,600 |
| 12236 | $541,287 | $141,600 |
| 12237 | $541,287 | $141,600 |
| 12239 | $541,287 | $141,600 |
| 12240 | $541,287 | $141,600 |
| 12245 | $541,287 | $141,600 |
| 12246 | $541,287 | $141,600 |
| 12247 | $541,287 | $141,600 |
| 12248 | $541,287 | $141,600 |
| 12249 | $541,287 | $141,600 |
| 12255 | $541,287 | $141,600 |
| 12257 | $541,287 | $141,600 |
| 12303 | $541,287 | $141,600 |
| 12304 | $541,287 | $141,600 |
| 12306 | $541,287 | $141,600 |
| 12309 | $541,287 | $141,600 |
| 12460 | $541,287 | $122,800 to $141,600 |
| 12469 | $541,287 | $122,800 to $141,600 |