FHA Loan Limits and USDA Eligibility in Onondaga County, New York
2026 FHA one-unit limit in Onondaga 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: —
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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
Onondaga 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 |
|---|---|---|
| 13020 | $541,287 | $122,850 |
| 13021 | $541,287 | $122,800 to $122,850 |
| 13027 | $541,287 | $122,800 to $122,850 |
| 13029 | $541,287 | $122,850 |
| 13030 | $541,287 | $122,850 |
| 13031 | $541,287 | $122,850 |
| 13035 | $541,287 | $122,850 |
| 13039 | $541,287 | $122,850 |
| 13041 | $541,287 | $122,850 |
| 13051 | $541,287 | $122,850 |
| 13057 | $541,287 | $122,850 |
| 13060 | $541,287 | $122,850 |
| 13063 | $541,287 | $122,850 |
| 13066 | $541,287 | $122,850 |
| 13078 | $541,287 | $122,850 |
| 13080 | $541,287 | $122,800 to $122,850 |
| 13082 | $541,287 | $122,850 |
| 13084 | $541,287 | $122,850 |
| 13088 | $541,287 | $122,850 |
| 13090 | $541,287 | $122,850 |
| 13104 | $541,287 | $122,850 |
| 13108 | $541,287 | $122,850 |
| 13110 | $541,287 | $122,850 |
| 13112 | $541,287 | $122,850 |
| 13116 | $541,287 | $122,850 |
| 13119 | $541,287 | $122,850 |
| 13120 | $541,287 | $122,850 |
| 13135 | $541,287 | $122,850 |
| 13137 | $541,287 | $122,850 |
| 13138 | $541,287 | $122,850 |
| 13141 | $541,287 | $122,800 to $122,850 |
| 13152 | $541,287 | $122,800 to $122,850 |
| 13153 | $541,287 | $122,850 |
| 13159 | $541,287 | $122,800 to $122,850 |
| 13164 | $541,287 | $122,850 |
| 13201 | $541,287 | $122,850 |
| 13202 | $541,287 | $122,850 |
| 13203 | $541,287 | $122,850 |
| 13204 | $541,287 | $122,850 |
| 13205 | $541,287 | $122,850 |
| 13206 | $541,287 | $122,850 |
| 13207 | $541,287 | $122,850 |
| 13208 | $541,287 | $122,850 |
| 13209 | $541,287 | $122,850 |
| 13210 | $541,287 | $122,850 |
| 13211 | $541,287 | $122,850 |
| 13212 | $541,287 | $122,850 |
| 13214 | $541,287 | $122,850 |
| 13215 | $541,287 | $122,850 |
| 13217 | $541,287 | $122,850 |
| 13219 | $541,287 | $122,850 |
| 13220 | $541,287 | $122,850 |
| 13224 | $541,287 | $122,850 |
| 13225 | $541,287 | $122,850 |
| 13252 | $541,287 | $122,850 |