FHA Loan Limits and USDA Eligibility in Essex County, New York
2026 FHA one-unit limit in Essex 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
Essex 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 |
|---|---|---|
| 12851 | $541,287 | $122,800 |
| 12852 | $541,287 | $122,800 |
| 12855 | $541,287 | $122,800 |
| 12857 | $541,287 | $122,800 |
| 12858 | $541,287 | $122,800 |
| 12870 | $541,287 | $122,800 |
| 12872 | $541,287 | $122,800 |
| 12883 | $541,287 | $122,800 |
| 12912 | $541,287 | $122,800 |
| 12913 | $541,287 | $122,800 |
| 12928 | $541,287 | $122,800 |
| 12932 | $541,287 | $122,800 |
| 12936 | $541,287 | $122,800 |
| 12941 | $541,287 | $122,800 |
| 12942 | $541,287 | $122,800 |
| 12943 | $541,287 | $122,800 |
| 12944 | $541,287 | $122,800 |
| 12946 | $541,287 | $122,800 |
| 12950 | $541,287 | $122,800 |
| 12956 | $541,287 | $122,800 |
| 12960 | $541,287 | $122,800 |
| 12961 | $541,287 | $122,800 |
| 12964 | $541,287 | $122,800 |
| 12974 | $541,287 | $122,800 |
| 12975 | $541,287 | $122,800 |
| 12977 | $541,287 | $122,800 |
| 12983 | $541,287 | $122,800 |
| 12987 | $541,287 | $122,800 |
| 12993 | $541,287 | $122,800 |
| 12996 | $541,287 | $122,800 |
| 12997 | $541,287 | $122,800 |
| 12998 | $541,287 | $122,800 |