FHA Loan Limits and USDA Eligibility in Saratoga County, New York
2026 FHA one-unit limit in Saratoga 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
Saratoga 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 |
|---|---|---|
| 12010 | $541,287 | $122,800 to $141,600 |
| 12019 | $541,287 | $141,600 |
| 12020 | $541,287 | $141,600 |
| 12025 | $541,287 | $122,800 to $141,600 |
| 12027 | $541,287 | $141,600 |
| 12065 | $541,287 | $141,600 |
| 12074 | $541,287 | $141,600 |
| 12086 | $541,287 | $122,800 to $141,600 |
| 12118 | $541,287 | $141,600 |
| 12134 | $541,287 | $122,800 to $141,600 |
| 12148 | $541,287 | $141,600 |
| 12151 | $541,287 | $141,600 |
| 12170 | $541,287 | $141,600 |
| 12188 | $541,287 | $141,600 |
| 12302 | $541,287 | $141,600 |
| 12803 | $541,287 | $141,600 |
| 12822 | $541,287 | $141,600 |
| 12828 | $541,287 | $122,800 to $141,600 |
| 12831 | $541,287 | $141,600 |
| 12833 | $541,287 | $141,600 |
| 12835 | $541,287 | $122,800 to $141,600 |
| 12850 | $541,287 | $141,600 |
| 12859 | $541,287 | $141,600 |
| 12863 | $541,287 | $141,600 |
| 12866 | $541,287 | $141,600 |
| 12871 | $541,287 | $141,600 |
| 12884 | $541,287 | $141,600 |