FHA Loan Limits and USDA Eligibility in Cortland County, New York
2026 FHA one-unit limit in Cortland 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
Cortland 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 |
|---|---|---|
| 12567 | $541,287 | $134,350 to $144,750 |
| 13040 | $541,287 | $122,800 |
| 13045 | $541,287 | $122,800 to $138,350 |
| 13052 | $541,287 | $122,800 to $122,850 |
| 13053 | $541,287 | $122,800 to $138,350 |
| 13077 | $541,287 | $122,800 to $122,850 |
| 13087 | $541,287 | $122,800 |
| 13101 | $541,287 | $122,800 |
| 13141 | $541,287 | $122,800 to $122,850 |
| 13158 | $541,287 | $122,800 to $122,850 |
| 13738 | $541,287 | $122,800 |
| 13784 | $541,287 | $122,800 |
| 13803 | $541,287 | $122,800 |
| 13841 | $541,287 | $122,800 |
| 13863 | $541,287 | $122,800 |