FHA Loan Limits and USDA Eligibility in Madison County, New York
2026 FHA one-unit limit in Madison 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 $122,850. 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: —
Loading FHA loan limits map…
Loading New York…
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
Loading USDA map…
Loading New York…
EligibleIneligibleUSDA ineligible boundary
Madison 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 |
|---|---|---|
| 13030 | $541,287 | $122,850 |
| 13032 | $541,287 | $122,800 to $122,850 |
| 13035 | $541,287 | $122,850 |
| 13037 | $541,287 | $122,850 |
| 13043 | $541,287 | $122,850 |
| 13052 | $541,287 | $122,800 to $122,850 |
| 13061 | $541,287 | $122,850 |
| 13072 | $541,287 | $122,800 to $122,850 |
| 13082 | $541,287 | $122,850 |
| 13122 | $541,287 | $122,850 |
| 13134 | $541,287 | $122,850 |
| 13163 | $541,287 | $122,850 |
| 13310 | $541,287 | $122,850 |
| 13314 | $541,287 | $122,850 |
| 13332 | $541,287 | $122,800 to $122,850 |
| 13334 | $541,287 | $122,850 |
| 13346 | $541,287 | $122,850 |
| 13355 | $541,287 | $122,850 |
| 13364 | $541,287 | $122,850 |
| 13402 | $541,287 | $122,800 to $122,850 |
| 13408 | $541,287 | $122,850 |
| 13409 | $541,287 | $122,800 to $122,850 |
| 13418 | $541,287 | $122,850 |
| 13421 | $541,287 | $122,800 to $122,850 |
| 13484 | $541,287 | $122,850 |
| 13485 | $541,287 | $122,800 to $122,850 |