FHA Loan Limits and USDA Eligibility in Otsego County, New York
2026 FHA one-unit limit in Otsego 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
Otsego 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 |
|---|---|---|
| 12036 | $541,287 | $122,800 to $141,600 |
| 12064 | $541,287 | $122,800 to $141,600 |
| 12116 | $541,287 | $122,800 |
| 12155 | $541,287 | $122,800 |
| 12197 | $541,287 | $122,800 |
| 13315 | $541,287 | $122,800 |
| 13320 | $541,287 | $122,800 |
| 13326 | $541,287 | $122,800 |
| 13333 | $541,287 | $122,800 |
| 13335 | $541,287 | $122,800 |
| 13337 | $541,287 | $122,800 |
| 13342 | $541,287 | $122,800 |
| 13348 | $541,287 | $122,800 |
| 13415 | $541,287 | $122,800 |
| 13439 | $541,287 | $122,800 |
| 13450 | $541,287 | $122,800 |
| 13457 | $541,287 | $122,800 |
| 13468 | $541,287 | $122,800 |
| 13482 | $541,287 | $122,800 |
| 13488 | $541,287 | $122,800 |
| 13491 | $541,287 | $122,800 to $122,850 |
| 13733 | $541,287 | $122,800 |
| 13747 | $541,287 | $122,800 |
| 13776 | $541,287 | $122,800 |
| 13796 | $541,287 | $122,800 |
| 13807 | $541,287 | $122,800 |
| 13808 | $541,287 | $122,800 |
| 13809 | $541,287 | $122,800 |
| 13810 | $541,287 | $122,800 |
| 13820 | $541,287 | $122,800 |
| 13825 | $541,287 | $122,800 |
| 13834 | $541,287 | $122,800 |
| 13843 | $541,287 | $122,800 |
| 13849 | $541,287 | $122,800 |
| 13859 | $541,287 | $122,800 |
| 13861 | $541,287 | $122,800 |