FHA Loan Limits and USDA Eligibility in Richmond County, New York
2026 FHA one-unit limit in Richmond County is $1,249,125. Two-unit is $1,599,375, three-unit is $1,933,200, and four-unit is $2,402,625. USDA 502 Guaranteed 1–4 person moderate income is $195,050. 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
Richmond 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 |
|---|---|---|
| 10301 | $1,249,125 | $195,050 |
| 10302 | $1,249,125 | $195,050 |
| 10303 | $1,249,125 | $195,050 |
| 10304 | $1,249,125 | $195,050 |
| 10305 | $1,249,125 | $195,050 |
| 10306 | $1,249,125 | $195,050 |
| 10307 | $1,249,125 | $195,050 |
| 10308 | $1,249,125 | $195,050 |
| 10309 | $1,249,125 | $195,050 |
| 10310 | $1,249,125 | $195,050 |
| 10312 | $1,249,125 | $195,050 |
| 10314 | $1,249,125 | $195,050 |