FHA Loan Limits and USDA Eligibility in Schenectady County, New York
2026 FHA one-unit limit in Schenectady 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: —
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
Schenectady 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 |
|---|---|---|
| 12007 | $541,287 | $141,600 |
| 12008 | $541,287 | $141,600 |
| 12010 | $541,287 | $122,800 to $141,600 |
| 12019 | $541,287 | $141,600 |
| 12027 | $541,287 | $141,600 |
| 12053 | $541,287 | $122,800 to $141,600 |
| 12056 | $541,287 | $141,600 |
| 12137 | $541,287 | $122,800 to $141,600 |
| 12141 | $541,287 | $141,600 |
| 12150 | $541,287 | $141,600 |
| 12301 | $541,287 | $141,600 |
| 12302 | $541,287 | $141,600 |
| 12303 | $541,287 | $141,600 |
| 12304 | $541,287 | $141,600 |
| 12305 | $541,287 | $141,600 |
| 12306 | $541,287 | $141,600 |
| 12307 | $541,287 | $141,600 |
| 12308 | $541,287 | $141,600 |
| 12309 | $541,287 | $141,600 |
| 12345 | $541,287 | $141,600 |