FHA Loan Limits and USDA Eligibility in Monroe County, New York
2026 FHA one-unit limit in Monroe 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 $123,050. 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
Monroe 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 |
|---|---|---|
| 14020 | $541,287 | $122,800 |
| 14410 | $541,287 | $123,050 |
| 14416 | $541,287 | $122,800 to $123,050 |
| 14420 | $541,287 | $123,050 |
| 14428 | $541,287 | $123,050 |
| 14430 | $541,287 | $123,050 |
| 14445 | $541,287 | $123,050 |
| 14450 | $541,287 | $123,050 |
| 14464 | $541,287 | $123,050 |
| 14467 | $541,287 | $123,050 |
| 14468 | $541,287 | $123,050 |
| 14472 | $541,287 | $123,050 |
| 14502 | $541,287 | $123,050 |
| 14506 | $541,287 | $123,050 |
| 14511 | $541,287 | $123,050 |
| 14514 | $541,287 | $123,050 |
| 14515 | $541,287 | $123,050 |
| 14519 | $541,287 | $123,050 |
| 14526 | $541,287 | $123,050 |
| 14534 | $541,287 | $123,050 |
| 14543 | $541,287 | $123,050 |
| 14546 | $541,287 | $123,050 |
| 14559 | $541,287 | $123,050 |
| 14563 | $541,287 | $123,050 |
| 14564 | $541,287 | $123,050 |
| 14580 | $541,287 | $123,050 |
| 14586 | $541,287 | $123,050 |
| 14603 | $541,287 | $123,050 |
| 14604 | $541,287 | $123,050 |
| 14605 | $541,287 | $123,050 |
| 14606 | $541,287 | $123,050 |
| 14607 | $541,287 | $123,050 |
| 14608 | $541,287 | $123,050 |
| 14609 | $541,287 | $123,050 |
| 14610 | $541,287 | $123,050 |
| 14611 | $541,287 | $123,050 |
| 14612 | $541,287 | $123,050 |
| 14613 | $541,287 | $123,050 |
| 14614 | $541,287 | $123,050 |
| 14615 | $541,287 | $123,050 |
| 14616 | $541,287 | $123,050 |
| 14617 | $541,287 | $123,050 |
| 14618 | $541,287 | $123,050 |
| 14619 | $541,287 | $123,050 |
| 14620 | $541,287 | $123,050 |
| 14621 | $541,287 | $123,050 |
| 14622 | $541,287 | $123,050 |
| 14623 | $541,287 | $123,050 |
| 14624 | $541,287 | $123,050 |
| 14625 | $541,287 | $123,050 |
| 14626 | $541,287 | $123,050 |
| 14627 | $541,287 | $123,050 |