FHA Loan Limits and USDA Eligibility in Jefferson County, New York
2026 FHA one-unit limit in Jefferson 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
Jefferson 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 |
|---|---|---|
| 13601 | $541,287 | $122,800 |
| 13602 | $541,287 | $122,800 |
| 13605 | $541,287 | $122,800 |
| 13606 | $541,287 | $122,800 |
| 13607 | $541,287 | $122,800 |
| 13608 | $541,287 | $122,800 |
| 13611 | $541,287 | $122,800 |
| 13612 | $541,287 | $122,800 |
| 13615 | $541,287 | $122,800 |
| 13616 | $541,287 | $122,800 |
| 13618 | $541,287 | $122,800 |
| 13619 | $541,287 | $122,800 |
| 13622 | $541,287 | $122,800 |
| 13624 | $541,287 | $122,800 |
| 13626 | $541,287 | $122,800 |
| 13628 | $541,287 | $122,800 |
| 13632 | $541,287 | $122,800 |
| 13634 | $541,287 | $122,800 |
| 13636 | $541,287 | $122,800 |
| 13637 | $541,287 | $122,800 |
| 13638 | $541,287 | $122,800 |
| 13640 | $541,287 | $122,800 |
| 13641 | $541,287 | $122,800 |
| 13643 | $541,287 | $122,800 |
| 13650 | $541,287 | $122,800 |
| 13651 | $541,287 | $122,800 |
| 13656 | $541,287 | $122,800 |
| 13659 | $541,287 | $122,800 |
| 13661 | $541,287 | $122,800 to $122,850 |
| 13671 | $541,287 | $122,800 |
| 13673 | $541,287 | $122,800 |
| 13674 | $541,287 | $122,800 |
| 13675 | $541,287 | $122,800 |
| 13678 | $541,287 | $122,800 |
| 13679 | $541,287 | $122,800 |
| 13682 | $541,287 | $122,800 |
| 13685 | $541,287 | $122,800 |
| 13691 | $541,287 | $122,800 |
| 13692 | $541,287 | $122,800 |
| 13693 | $541,287 | $122,800 |