FHA Loan Limits and USDA Eligibility in Delaware County, New York
2026 FHA one-unit limit in Delaware 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
Delaware 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 |
|---|---|---|
| 12093 | $541,287 | $122,800 to $141,600 |
| 12167 | $541,287 | $122,800 to $141,600 |
| 12406 | $541,287 | $122,800 to $137,800 |
| 12421 | $541,287 | $122,800 |
| 12430 | $541,287 | $122,800 |
| 12434 | $541,287 | $122,800 |
| 12438 | $541,287 | $122,800 |
| 12455 | $541,287 | $122,800 to $137,800 |
| 12459 | $541,287 | $122,800 |
| 12474 | $541,287 | $122,800 |
| 12776 | $541,287 | $122,800 |
| 13731 | $541,287 | $122,800 |
| 13739 | $541,287 | $122,800 |
| 13740 | $541,287 | $122,800 |
| 13750 | $541,287 | $122,800 |
| 13751 | $541,287 | $122,800 |
| 13752 | $541,287 | $122,800 |
| 13753 | $541,287 | $122,800 |
| 13754 | $541,287 | $122,800 |
| 13755 | $541,287 | $122,800 |
| 13756 | $541,287 | $122,800 |
| 13757 | $541,287 | $122,800 |
| 13774 | $541,287 | $122,800 |
| 13775 | $541,287 | $122,800 |
| 13782 | $541,287 | $122,800 |
| 13783 | $541,287 | $122,800 |
| 13786 | $541,287 | $122,800 |
| 13788 | $541,287 | $122,800 |
| 13804 | $541,287 | $122,800 |
| 13806 | $541,287 | $122,800 |
| 13815 | $541,287 | $122,800 |
| 13820 | $541,287 | $122,800 |
| 13825 | $541,287 | $122,800 |
| 13838 | $541,287 | $122,800 |
| 13839 | $541,287 | $122,800 |
| 13842 | $541,287 | $122,800 |
| 13846 | $541,287 | $122,800 |
| 13847 | $541,287 | $122,800 |
| 13856 | $541,287 | $122,800 |
| 13860 | $541,287 | $122,800 |