FHA Loan Limits and USDA Eligibility in Orange County, New York
2026 FHA one-unit limit in Orange 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 $144,750. 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
Orange 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 |
|---|---|---|
| 10910 | $541,287 | $144,750 |
| 10912 | $541,287 | $144,750 |
| 10914 | $541,287 | $144,750 |
| 10915 | $541,287 | $144,750 |
| 10916 | $541,287 | $144,750 |
| 10917 | $541,287 | $144,750 |
| 10918 | $541,287 | $144,750 |
| 10919 | $541,287 | $144,750 |
| 10921 | $541,287 | $144,750 |
| 10922 | $541,287 | $144,750 |
| 10924 | $541,287 | $144,750 |
| 10925 | $541,287 | $144,750 |
| 10926 | $541,287 | $144,750 |
| 10928 | $541,287 | $144,750 |
| 10930 | $541,287 | $144,750 |
| 10932 | $541,287 | $144,750 |
| 10933 | $541,287 | $144,750 |
| 10940 | $541,287 | $122,800 to $144,750 |
| 10941 | $541,287 | $144,750 |
| 10950 | $541,287 | $144,750 |
| 10953 | $541,287 | $144,750 |
| 10958 | $541,287 | $144,750 |
| 10959 | $541,287 | $144,750 |
| 10963 | $541,287 | $122,800 to $144,750 |
| 10969 | $541,287 | $144,750 |
| 10973 | $541,287 | $144,750 |
| 10975 | $541,287 | $144,750 |
| 10979 | $541,287 | $144,750 |
| 10981 | $541,287 | $144,750 |
| 10985 | $541,287 | $144,750 |
| 10987 | $541,287 | $144,750 |
| 10988 | $541,287 | $144,750 |
| 10990 | $541,287 | $144,750 |
| 10992 | $541,287 | $144,750 |
| 10996 | $541,287 | $144,750 |
| 10998 | $541,287 | $144,750 |
| 12518 | $541,287 | $144,750 |
| 12520 | $541,287 | $144,750 |
| 12542 | $541,287 | $137,800 to $144,750 |
| 12543 | $541,287 | $144,750 |
| 12549 | $541,287 | $144,750 |
| 12550 | $541,287 | $144,750 |
| 12553 | $541,287 | $144,750 |
| 12566 | $541,287 | $122,800 to $144,750 |
| 12575 | $541,287 | $144,750 |
| 12577 | $541,287 | $144,750 |
| 12584 | $541,287 | $144,750 |
| 12586 | $541,287 | $144,750 |
| 12589 | $541,287 | $137,800 to $144,750 |
| 12721 | $541,287 | $122,800 to $144,750 |
| 12729 | $541,287 | $122,800 to $144,750 |
| 12746 | $541,287 | $144,750 |
| 12771 | $541,287 | $144,750 |
| 12775 | $541,287 | $122,800 |
| 12780 | $541,287 | $122,800 to $144,750 |
| 12785 | $541,287 | $122,800 to $144,750 |