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Published: December 2, 2024
2025 Conventional and FHA Mortgage Loan Limits for Suffolk 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
Suffolk County, New York, mortgage loan limits apply in:
Suffolk County 2025 mortgage loan limits include the following cities: Amagansett, Amityville, Aquebogue, Asharoken, Babylon, Babylon (Town), Baiting Hollow, Bayport, Bay Shore, Baywood, Belle Terre, Bellport, Blue Point, Bohemia, Brentwood, Bridgehampton, Brightwaters, Brookhaven, Brookhaven (CDP), Calverton, Captree, Centereach, Center Moriches, Centerport, Central Islip, Cold Spring Harbor, Commack, Copiague, Coram, Cutchogue, Deer Park, Dering Harbor, Dix Hills, East Farmingdale, East Hampton, East Hampton North, East Hampton (Town), East Islip, East Marion, East Moriches, East Northport, East Patchogue, Eastport, East Quogue, East Setauket, East Shoreham, Eatons Neck, Elwood, Farmingville, Fire Island, Fishers Island, Flanders, Fort Salonga, Gilgo, Gordon Heights, Great River, Greenlawn, Greenport, Greenport West, Halesite, Hampton Bays, Hauppauge, Head of the Harbor, Holbrook, Holtsville, Huntington, Huntington Bay, Huntington (CDP), Huntington Station, Islandia, Islip, Islip (CDP), Islip Terrace, Jamesport, Kings Park, Lake Grove, Lake Ronkonkoma, Laurel, Lindenhurst, Lloyd Harbor, Manorville, Mastic, Mastic Beach, Mattituck, Medford, Melville, Middle Island, Miller Place, Montauk, Moriches, Mount Sinai, Napeague, Nesconset, New Suffolk, Nissequogue, North Amityville, Northampton, North Babylon, North Bay Shore, North Bellport, North Great River, North Haven, North Lindenhurst, North Patchogue, Northport, North Sea, Northville, Northwest Harbor, Noyack, Oak Beach, Oakdale, Ocean Beach, Old Field, Orient, Patchogue, Peconic, Poquott, Port Jefferson, Port Jefferson Station, Quiogue, Quogue, Remsenburg-Speonk, Ridge, Riverhead, Riverhead (CDP), Riverside, Rocky Point, Ronkonkoma, Sagaponack, Sag Harbor, Saltaire, Sayville, Selden, Setauket, Shelter Island, Shelter Island (CDP), Shelter Island Heights, Shinnecock Hills, Shirley, Shoreham, Smithtown, Smithtown (CDP), Sound Beach, Southampton, Southampton (Town), South Huntington, Southold, Southold (CDP), Springs, St. James, Stony Brook, Stony Brook University, Terryville, Tuckahoe, Village of the Branch, Wading River, Wainscott, Water Mill, West Babylon, West Bay Shore, Westhampton, Westhampton Beach, West Hampton Dunes, West Hills, West Islip, West Sayville, Wheatley Heights, Wyandanch, Yaphank
2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area
Video Length: 06:51
Historical Charts: Mortgage Loan Limits in Suffolk County, New York
Suffolk County mortgage loan limits adjust annually to match changes in the FHFA House Price Index.
Conforming Loans
FHA Loans
Mortgage Statistics from Suffolk County, New York
Suffolk 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)
79,301
Loan Type
Relative Share
Conventional
77.68%
FHA
19.61%
VA
2.71%
USDA
0.00%
Property Type
Relative Share
1-Unit Homes
99.29%
2-Unit Homes
0.66%
3-Unit Homes
0.04%
4-Unit Homes
0.01%
Borrower Status
Relative Share
One Applicant
46.32%
Two or More Applicants
53.68%
Gender
Relative Share
Male
32.29%
Female
19.26%
Joint Sex
43.50%
Not Available
4.94%
Race
Relative Share
American Indian / Alaska Native
0.13%
Asian
5.90%
Black / African American
6.72%
Native Hawaiian / Other Pacific Islander
0.17%
White
70.96%
Mixed Race
2.10%
Other Race
14.02%
Ethnicity
Relative Share
Hispanic or Latino
15.43%
Not Hispanic or Latino
68.85%
Joint Ethnicity
3.04%
Other Ethnicity
12.68%
Suffolk 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 Suffolk County, New York
2025 conforming and FHA mortgage loan limits for for the areas surrounding Suffolk County, New York. Local loan limits and county-level mortgage data updated regularly.
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