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Published: December 2, 2024
2025 Conventional and FHA Mortgage Loan Limits for Nassau County, New York
Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$1,209,750
2-Unit Homes
$1,548,975
3-Unit Homes
$1,872,225
4-Unit Homes
$2,326,875
Property Type
2025 Loan Limit
1-Unit Homes
$1,209,750
2-Unit Homes
$1,548,975
3-Unit Homes
$1,872,225
4-Unit Homes
$2,326,875
Source: Federal Housing Finance Agency; Federal Housing Administration
Nassau County, New York, mortgage loan limits apply in:
Nassau County 2025 mortgage loan limits include the following cities: Albertson, Atlantic Beach, Baldwin, Barnum Island, Baxter Estates, Bay Park, Bayville, Bellerose, Bellerose Terrace, Bellmore, Bethpage, Brookville, Carle Place, Cedarhurst, Centre Island, Cove Neck, East Atlantic Beach, East Hills, East Massapequa, East Meadow, East Norwich, East Rockaway, East Williston, Elmont, Farmingdale, Floral Park, Flower Hill, Franklin Square, Freeport, Garden City, Garden City Park, Garden City South, Glen Cove, Glen Head, Glenwood Landing, Great Neck, Great Neck Estates, Great Neck Gardens, Great Neck Plaza, Greenvale, Harbor Hills, Harbor Isle, Hempstead, Hempstead (Town), Herricks, Hewlett, Hewlett Bay Park, Hewlett Harbor, Hewlett Neck, Hicksville, Inwood, Island Park, Jericho, Kensington, Kings Point, Lake Success, Lakeview, Lattingtown, Laurel Hollow, Lawrence, Levittown, Lido Beach, Locust Valley, Long Beach, Lynbrook, Malverne, Malverne Park Oaks, Manhasset, Manhasset Hills, Manorhaven, Massapequa, Massapequa Park, Matinecock, Merrick, Mill Neck, Mineola, Munsey Park, Muttontown, New Cassel, New Hyde Park, North Bellmore, North Hempstead, North Hills, North Lynbrook, North Massapequa, North Merrick, North New Hyde Park, North Valley Stream, North Wantagh, Oceanside, Old Bethpage, Old Brookville, Old Westbury, Oyster Bay, Oyster Bay (CDP), Oyster Bay Cove, Plainedge, Plainview, Plandome, Plandome Heights, Plandome Manor, Point Lookout, Port Washington, Port Washington North, Rockville Centre, Roosevelt, Roslyn, Roslyn Estates, Roslyn Harbor, Roslyn Heights, Russell Gardens, Saddle Rock, Saddle Rock Estates, Salisbury, Sands Point, Sea Cliff, Seaford, Searingtown, South Farmingdale, South Floral Park, South Hempstead, South Valley Stream, Stewart Manor, Syosset, Thomaston, Uniondale, University Gardens, Upper Brookville, Valley Stream, Wantagh, Westbury, West Hempstead, Williston Park, Woodbury, Woodmere, Woodsburgh
2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area
Video Length: 06:51
Historical Charts: Mortgage Loan Limits in Nassau County, New York
Nassau County mortgage loan limits adjust annually to match changes in the FHFA House Price Index.
Conforming Loans
FHA Loans
Mortgage Statistics from Nassau County, New York
Nassau County mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.
Mortgages
Total
Purchase Mortgages (2018-2023)
60,510
Loan Type
Relative Share
Conventional
87.43%
FHA
10.98%
VA
1.58%
USDA
0.00%
Property Type
Relative Share
1-Unit Homes
97.38%
2-Unit Homes
2.54%
3-Unit Homes
0.05%
4-Unit Homes
0.02%
Borrower Status
Relative Share
One Applicant
45.00%
Two or More Applicants
55.00%
Gender
Relative Share
Male
29.95%
Female
19.72%
Joint Sex
45.35%
Not Available
4.98%
Race
Relative Share
American Indian / Alaska Native
0.20%
Asian
22.60%
Black / African American
8.72%
Native Hawaiian / Other Pacific Islander
0.21%
White
51.86%
Mixed Race
2.42%
Other Race
13.99%
Ethnicity
Relative Share
Hispanic or Latino
9.53%
Not Hispanic or Latino
75.42%
Joint Ethnicity
2.65%
Other Ethnicity
12.40%
Nassau County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act
Mortgage Loan Limits Near Nassau County, New York
2025 conforming and FHA mortgage loan limits for for the areas surrounding Nassau County, New York. Local loan limits and county-level mortgage data updated regularly.
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