FHA Loan Limits and USDA Eligibility in Ontario County, New York
2026 FHA one-unit limit in Ontario 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: —
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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
Ontario 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 |
|---|---|---|
| 14424 | $541,287 | $123,050 |
| 14425 | $541,287 | $123,050 |
| 14432 | $541,287 | $123,050 |
| 14453 | $541,287 | $123,050 |
| 14456 | $541,287 | $122,800 to $123,050 |
| 14461 | $541,287 | $123,050 |
| 14463 | $541,287 | $123,050 |
| 14466 | $541,287 | $123,050 |
| 14469 | $541,287 | $123,050 |
| 14471 | $541,287 | $123,050 |
| 14472 | $541,287 | $123,050 |
| 14475 | $541,287 | $123,050 |
| 14485 | $541,287 | $123,050 |
| 14487 | $541,287 | $123,050 |
| 14504 | $541,287 | $123,050 |
| 14512 | $541,287 | $122,800 to $123,050 |
| 14513 | $541,287 | $123,050 |
| 14518 | $541,287 | $123,050 |
| 14522 | $541,287 | $123,050 |
| 14532 | $541,287 | $122,800 to $123,050 |
| 14537 | $541,287 | $123,050 |
| 14544 | $541,287 | $122,800 to $123,050 |
| 14547 | $541,287 | $123,050 |
| 14548 | $541,287 | $123,050 |
| 14560 | $541,287 | $123,050 |
| 14561 | $541,287 | $122,800 to $123,050 |
| 14564 | $541,287 | $123,050 |
| 14585 | $541,287 | $123,050 |