FHA Loan Limits and USDA Eligibility in Niagara County, New York
2026 FHA one-unit limit in Niagara 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
Niagara 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 |
|---|---|---|
| 14001 | $541,287 | $122,800 |
| 14008 | $541,287 | $122,800 |
| 14012 | $541,287 | $122,800 to $123,050 |
| 14028 | $541,287 | $122,800 |
| 14067 | $541,287 | $122,800 |
| 14092 | $541,287 | $122,800 |
| 14094 | $541,287 | $122,800 |
| 14095 | $541,287 | $122,800 |
| 14105 | $541,287 | $122,800 to $123,050 |
| 14107 | $541,287 | $122,800 |
| 14108 | $541,287 | $122,800 |
| 14120 | $541,287 | $122,800 |
| 14126 | $541,287 | $122,800 |
| 14131 | $541,287 | $122,800 |
| 14132 | $541,287 | $122,800 |
| 14172 | $541,287 | $122,800 |
| 14174 | $541,287 | $122,800 |
| 14301 | $541,287 | $122,800 |
| 14302 | $541,287 | $122,800 |
| 14303 | $541,287 | $122,800 |
| 14304 | $541,287 | $122,800 |
| 14305 | $541,287 | $122,800 |
| 14425 | $541,287 | $123,050 |
| 14607 | $541,287 | $123,050 |