FHA Loan Limits and USDA Eligibility in Ulster County, New York
2026 FHA one-unit limit in Ulster 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 $137,800. 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
Ulster 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 |
|---|---|---|
| 12401 | $541,287 | $137,800 |
| 12402 | $541,287 | $137,800 |
| 12404 | $541,287 | $137,800 |
| 12406 | $541,287 | $122,800 to $137,800 |
| 12409 | $541,287 | $137,800 |
| 12410 | $541,287 | $137,800 |
| 12411 | $541,287 | $137,800 |
| 12412 | $541,287 | $137,800 |
| 12416 | $541,287 | $137,800 |
| 12417 | $541,287 | $137,800 |
| 12419 | $541,287 | $137,800 |
| 12420 | $541,287 | $137,800 |
| 12428 | $541,287 | $137,800 |
| 12429 | $541,287 | $137,800 |
| 12432 | $541,287 | $137,800 |
| 12433 | $541,287 | $137,800 |
| 12435 | $541,287 | $137,800 |
| 12440 | $541,287 | $137,800 |
| 12441 | $541,287 | $122,800 to $137,800 |
| 12443 | $541,287 | $137,800 |
| 12446 | $541,287 | $137,800 |
| 12448 | $541,287 | $137,800 |
| 12449 | $541,287 | $137,800 |
| 12453 | $541,287 | $137,800 |
| 12456 | $541,287 | $137,800 |
| 12457 | $541,287 | $137,800 |
| 12458 | $541,287 | $122,800 to $137,800 |
| 12461 | $541,287 | $137,800 |
| 12464 | $541,287 | $137,800 |
| 12465 | $541,287 | $122,800 to $137,800 |
| 12466 | $541,287 | $137,800 |
| 12471 | $541,287 | $137,800 |
| 12472 | $541,287 | $137,800 |
| 12475 | $541,287 | $137,800 |
| 12477 | $541,287 | $137,800 |
| 12480 | $541,287 | $122,800 to $137,800 |
| 12481 | $541,287 | $137,800 |
| 12483 | $541,287 | $122,800 to $137,800 |
| 12484 | $541,287 | $137,800 |
| 12486 | $541,287 | $137,800 |
| 12487 | $541,287 | $137,800 |
| 12489 | $541,287 | $137,800 |
| 12490 | $541,287 | $137,800 |
| 12491 | $541,287 | $137,800 |
| 12493 | $541,287 | $137,800 |
| 12494 | $541,287 | $137,800 |
| 12495 | $541,287 | $137,800 |
| 12498 | $541,287 | $137,800 |
| 12515 | $541,287 | $137,800 |
| 12525 | $541,287 | $137,800 |
| 12528 | $541,287 | $137,800 |
| 12542 | $541,287 | $137,800 to $144,750 |
| 12547 | $541,287 | $137,800 |
| 12548 | $541,287 | $137,800 |
| 12550 | $541,287 | $144,750 |
| 12561 | $541,287 | $137,800 |
| 12566 | $541,287 | $122,800 to $144,750 |
| 12568 | $541,287 | $137,800 |
| 12588 | $541,287 | $137,800 |
| 12589 | $541,287 | $137,800 to $144,750 |
| 12740 | $541,287 | $122,800 to $137,800 |
| 12789 | $541,287 | $122,800 to $137,800 |