FHA Loan Limits and USDA Eligibility in Cayuga County, New York
2026 FHA one-unit limit in Cayuga 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 $122,800. 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
Cayuga 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 |
|---|---|---|
| 13021 | $541,287 | $122,800 to $122,850 |
| 13026 | $541,287 | $122,800 |
| 13033 | $541,287 | $122,800 |
| 13034 | $541,287 | $122,800 |
| 13045 | $541,287 | $122,800 to $138,350 |
| 13071 | $541,287 | $122,800 |
| 13080 | $541,287 | $122,800 to $122,850 |
| 13081 | $541,287 | $122,800 |
| 13092 | $541,287 | $122,800 to $138,350 |
| 13111 | $541,287 | $122,800 to $122,850 |
| 13113 | $541,287 | $122,800 |
| 13117 | $541,287 | $122,800 |
| 13118 | $541,287 | $122,800 |
| 13140 | $541,287 | $122,800 |
| 13143 | $541,287 | $122,800 to $123,050 |
| 13147 | $541,287 | $122,800 |
| 13152 | $541,287 | $122,800 to $122,850 |
| 13156 | $541,287 | $122,800 to $123,050 |
| 13160 | $541,287 | $122,800 |
| 13166 | $541,287 | $122,800 to $122,850 |