FHA Loan Limits and USDA Eligibility in Columbia County, New York
2026 FHA one-unit limit in Columbia 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 $134,350. 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
Columbia 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 |
|---|---|---|
| 12017 | $541,287 | $134,350 |
| 12029 | $541,287 | $134,350 |
| 12037 | $541,287 | $134,350 |
| 12060 | $541,287 | $134,350 |
| 12075 | $541,287 | $134,350 |
| 12106 | $541,287 | $134,350 |
| 12115 | $541,287 | $134,350 |
| 12123 | $541,287 | $134,350 to $141,600 |
| 12125 | $541,287 | $134,350 |
| 12130 | $541,287 | $134,350 |
| 12132 | $541,287 | $134,350 |
| 12136 | $541,287 | $134,350 |
| 12165 | $541,287 | $134,350 |
| 12172 | $541,287 | $134,350 |
| 12173 | $541,287 | $134,350 |
| 12174 | $541,287 | $134,350 |
| 12184 | $541,287 | $134,350 to $141,600 |
| 12195 | $541,287 | $134,350 |
| 12502 | $541,287 | $134,350 |
| 12503 | $541,287 | $134,350 |
| 12513 | $541,287 | $134,350 |
| 12516 | $541,287 | $134,350 |
| 12517 | $541,287 | $134,350 |
| 12521 | $541,287 | $134,350 |
| 12523 | $541,287 | $134,350 |
| 12526 | $541,287 | $134,350 |
| 12529 | $541,287 | $134,350 |
| 12530 | $541,287 | $134,350 |
| 12534 | $541,287 | $134,350 |
| 12544 | $541,287 | $134,350 |
| 12546 | $541,287 | $134,350 to $144,750 |
| 12565 | $541,287 | $134,350 |
| 12571 | $541,287 | $134,350 to $144,750 |
| 12583 | $541,287 | $134,350 to $144,750 |