FHA Loan Limits and USDA Eligibility in Oneida County, New York
2026 FHA one-unit limit in Oneida 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
Oneida 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 |
|---|---|---|
| 13033 | $541,287 | $122,800 |
| 13042 | $541,287 | $122,800 to $122,850 |
| 13054 | $541,287 | $122,800 |
| 13123 | $541,287 | $122,800 |
| 13157 | $541,287 | $122,800 |
| 13162 | $541,287 | $122,800 |
| 13301 | $541,287 | $122,800 |
| 13303 | $541,287 | $122,800 |
| 13304 | $541,287 | $122,800 |
| 13308 | $541,287 | $122,800 |
| 13309 | $541,287 | $122,800 |
| 13313 | $541,287 | $122,800 |
| 13316 | $541,287 | $122,800 to $122,850 |
| 13318 | $541,287 | $122,800 |
| 13319 | $541,287 | $122,800 |
| 13321 | $541,287 | $122,800 |
| 13322 | $541,287 | $122,800 |
| 13323 | $541,287 | $122,800 |
| 13328 | $541,287 | $122,800 |
| 13338 | $541,287 | $122,800 |
| 13341 | $541,287 | $122,800 |
| 13352 | $541,287 | $122,800 |
| 13354 | $541,287 | $122,800 |
| 13362 | $541,287 | $122,800 |
| 13363 | $541,287 | $122,800 |
| 13401 | $541,287 | $122,800 |
| 13403 | $541,287 | $122,800 |
| 13413 | $541,287 | $122,800 |
| 13417 | $541,287 | $122,800 |
| 13421 | $541,287 | $122,800 to $122,850 |
| 13424 | $541,287 | $122,800 |
| 13425 | $541,287 | $122,800 to $122,850 |
| 13435 | $541,287 | $122,800 |
| 13438 | $541,287 | $122,800 |
| 13440 | $541,287 | $122,800 |
| 13441 | $541,287 | $122,800 |
| 13455 | $541,287 | $122,800 |
| 13456 | $541,287 | $122,800 |
| 13461 | $541,287 | $122,800 |
| 13469 | $541,287 | $122,800 |
| 13471 | $541,287 | $122,800 |
| 13476 | $541,287 | $122,800 |
| 13477 | $541,287 | $122,800 |
| 13478 | $541,287 | $122,800 |
| 13479 | $541,287 | $122,800 |
| 13480 | $541,287 | $122,800 to $122,850 |
| 13483 | $541,287 | $122,800 to $122,850 |
| 13486 | $541,287 | $122,800 |
| 13490 | $541,287 | $122,800 |
| 13492 | $541,287 | $122,800 |
| 13494 | $541,287 | $122,800 |
| 13495 | $541,287 | $122,800 |
| 13501 | $541,287 | $122,800 |
| 13502 | $541,287 | $122,800 |
| 13503 | $541,287 | $122,800 |
| 13504 | $541,287 | $122,800 |
| 13505 | $541,287 | $122,800 |