FHA Loan Limits and USDA Eligibility in St. Lawrence County, New York
2026 FHA one-unit limit in St. Lawrence 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
St. Lawrence 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 |
|---|---|---|
| 12922 | $541,287 | $122,800 |
| 12927 | $541,287 | $122,800 |
| 12930 | $541,287 | $122,800 |
| 12965 | $541,287 | $122,800 |
| 12967 | $541,287 | $122,800 |
| 12973 | $541,287 | $122,800 |
| 13613 | $541,287 | $122,800 |
| 13614 | $541,287 | $122,800 |
| 13617 | $541,287 | $122,800 |
| 13621 | $541,287 | $122,800 |
| 13623 | $541,287 | $122,800 |
| 13625 | $541,287 | $122,800 |
| 13630 | $541,287 | $122,800 |
| 13633 | $541,287 | $122,800 |
| 13635 | $541,287 | $122,800 |
| 13639 | $541,287 | $122,800 |
| 13642 | $541,287 | $122,800 |
| 13645 | $541,287 | $122,800 |
| 13646 | $541,287 | $122,800 |
| 13647 | $541,287 | $122,800 |
| 13648 | $541,287 | $122,800 |
| 13649 | $541,287 | $122,800 |
| 13652 | $541,287 | $122,800 |
| 13654 | $541,287 | $122,800 |
| 13658 | $541,287 | $122,800 |
| 13660 | $541,287 | $122,800 |
| 13662 | $541,287 | $122,800 |
| 13664 | $541,287 | $122,800 |
| 13666 | $541,287 | $122,800 |
| 13667 | $541,287 | $122,800 |
| 13668 | $541,287 | $122,800 |
| 13669 | $541,287 | $122,800 |
| 13670 | $541,287 | $122,800 |
| 13672 | $541,287 | $122,800 |
| 13676 | $541,287 | $122,800 |
| 13680 | $541,287 | $122,800 |
| 13681 | $541,287 | $122,800 |
| 13683 | $541,287 | $122,800 |
| 13684 | $541,287 | $122,800 |
| 13687 | $541,287 | $122,800 |
| 13690 | $541,287 | $122,800 |
| 13694 | $541,287 | $122,800 |
| 13695 | $541,287 | $122,800 |
| 13696 | $541,287 | $122,800 |
| 13697 | $541,287 | $122,800 |