FHA Loan Limits and USDA Eligibility in Westchester County, New York
2026 FHA one-unit limit in Westchester 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 $182,700. 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
Westchester 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 |
|---|---|---|
| 10501 | $1,249,125 | $182,700 |
| 10502 | $1,249,125 | $182,700 |
| 10503 | $1,249,125 | $182,700 |
| 10504 | $1,249,125 | $182,700 |
| 10506 | $1,249,125 | $182,700 |
| 10507 | $1,249,125 | $182,700 |
| 10510 | $1,249,125 | $182,700 |
| 10511 | $1,249,125 | $182,700 |
| 10514 | $1,249,125 | $182,700 |
| 10517 | $1,249,125 | $182,700 |
| 10518 | $1,249,125 | $182,700 |
| 10519 | $1,249,125 | $182,700 |
| 10520 | $1,249,125 | $182,700 |
| 10522 | $1,249,125 | $182,700 |
| 10523 | $1,249,125 | $182,700 |
| 10526 | $1,249,125 | $182,700 |
| 10527 | $1,249,125 | $182,700 |
| 10528 | $1,249,125 | $182,700 |
| 10530 | $1,249,125 | $182,700 |
| 10532 | $1,249,125 | $182,700 |
| 10533 | $1,249,125 | $182,700 |
| 10535 | $1,249,125 | $182,700 |
| 10536 | $1,249,125 | $182,700 |
| 10538 | $1,249,125 | $182,700 |
| 10540 | $1,249,125 | $182,700 |
| 10541 | $1,249,125 | $182,700 to $195,050 |
| 10543 | $1,249,125 | $182,700 |
| 10545 | $1,249,125 | $182,700 |
| 10546 | $1,249,125 | $182,700 |
| 10547 | $1,249,125 | $182,700 |
| 10548 | $1,249,125 | $182,700 |
| 10549 | $1,249,125 | $182,700 |
| 10550 | $1,249,125 | $182,700 to $195,050 |
| 10552 | $1,249,125 | $182,700 |
| 10553 | $1,249,125 | $182,700 |
| 10560 | $1,249,125 | $182,700 |
| 10562 | $1,249,125 | $182,700 |
| 10566 | $1,249,125 | $182,700 |
| 10567 | $1,249,125 | $182,700 |
| 10570 | $1,249,125 | $182,700 |
| 10573 | $1,249,125 | $182,700 |
| 10576 | $1,249,125 | $182,700 |
| 10577 | $1,249,125 | $182,700 |
| 10578 | $1,249,125 | $182,700 |
| 10580 | $1,249,125 | $182,700 |
| 10583 | $1,249,125 | $182,700 |
| 10588 | $1,249,125 | $182,700 to $195,050 |
| 10589 | $1,249,125 | $182,700 |
| 10590 | $1,249,125 | $182,700 |
| 10591 | $1,249,125 | $182,700 |
| 10594 | $1,249,125 | $182,700 |
| 10595 | $1,249,125 | $182,700 |
| 10596 | $1,249,125 | $182,700 |
| 10597 | $1,249,125 | $182,700 |
| 10598 | $1,249,125 | $182,700 |
| 10601 | $1,249,125 | $182,700 |
| 10603 | $1,249,125 | $182,700 |
| 10604 | $1,249,125 | $182,700 |
| 10605 | $1,249,125 | $182,700 |
| 10606 | $1,249,125 | $182,700 |
| 10607 | $1,249,125 | $182,700 |
| 10701 | $1,249,125 | $182,700 |
| 10703 | $1,249,125 | $182,700 |
| 10704 | $1,249,125 | $182,700 |
| 10705 | $1,249,125 | $182,700 |
| 10706 | $1,249,125 | $182,700 |
| 10707 | $1,249,125 | $182,700 |
| 10708 | $1,249,125 | $182,700 |
| 10709 | $1,249,125 | $182,700 |
| 10710 | $1,249,125 | $182,700 |
| 10801 | $1,249,125 | $182,700 |
| 10803 | $1,249,125 | $182,700 to $195,050 |
| 10804 | $1,249,125 | $182,700 |
| 10805 | $1,249,125 | $182,700 |