FHA Loan Limits and USDA Eligibility in Rensselaer County, New York
2026 FHA one-unit limit in Rensselaer 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 $141,600. 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
Rensselaer 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 |
|---|---|---|
| 12018 | $541,287 | $141,600 |
| 12022 | $541,287 | $141,600 |
| 12024 | $541,287 | $134,350 to $141,600 |
| 12028 | $541,287 | $122,800 to $141,600 |
| 12033 | $541,287 | $141,600 |
| 12040 | $541,287 | $141,600 |
| 12052 | $541,287 | $141,600 |
| 12057 | $541,287 | $122,800 to $141,600 |
| 12061 | $541,287 | $141,600 |
| 12062 | $541,287 | $134,350 to $141,600 |
| 12063 | $541,287 | $141,600 |
| 12082 | $541,287 | $141,600 |
| 12089 | $541,287 | $141,600 |
| 12090 | $541,287 | $122,800 to $141,600 |
| 12094 | $541,287 | $122,800 to $141,600 |
| 12108 | $541,287 | $122,800 |
| 12118 | $541,287 | $141,600 |
| 12121 | $541,287 | $141,600 |
| 12123 | $541,287 | $134,350 to $141,600 |
| 12133 | $541,287 | $141,600 |
| 12138 | $541,287 | $141,600 |
| 12140 | $541,287 | $141,600 |
| 12144 | $541,287 | $141,600 |
| 12153 | $541,287 | $141,600 |
| 12154 | $541,287 | $122,800 to $141,600 |
| 12156 | $541,287 | $134,350 to $141,600 |
| 12168 | $541,287 | $141,600 |
| 12169 | $541,287 | $141,600 |
| 12180 | $541,287 | $141,600 |
| 12181 | $541,287 | $141,600 |
| 12182 | $541,287 | $141,600 |
| 12184 | $541,287 | $134,350 to $141,600 |
| 12185 | $541,287 | $122,800 to $141,600 |
| 12196 | $541,287 | $141,600 |
| 12198 | $541,287 | $141,600 |
| 12304 | $541,287 | $141,600 |