2026 Conforming Loan Limits by County in California
In 2026, 17 of California's 58 counties have conforming loan limits above the national baseline of $832,750 for a one-unit home, up to the high-cost ceiling of $1,249,125. The other 41 use the baseline.
California county limits
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Alameda County High-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Alpine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Amador County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calaveras County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Colusa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Contra Costa County High-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Del Norte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| El Dorado County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fresno County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glenn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Humboldt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Imperial County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Inyo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kern County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kings County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lassen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Los Angeles County High-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Madera County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marin County High-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Mariposa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mendocino County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Merced County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Modoc County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mono County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monterey County High-cost | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 |
| Napa County High-cost | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| Nevada County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange County High-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Placer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Plumas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Riverside County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sacramento County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Benito County High-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| San Bernardino County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Diego County High-cost | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| San Francisco County High-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| San Joaquin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Luis Obispo County High-cost | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 |
| San Mateo County High-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Santa Barbara County High-cost | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 |
| Santa Clara County High-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Santa Cruz County High-cost | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Shasta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sierra County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Siskiyou County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Solano County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sonoma County High-cost | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
| Stanislaus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sutter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tehama County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Trinity County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tulare County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tuolumne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ventura County High-cost | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 |
| Yolo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yuba County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
What these limits mean
A conforming loan is one that meets Fannie Mae and Freddie Mac's size limit and guidelines, so they can buy it from the lender.
A loan at or below $832,750 for one unit is a standard conforming loan. In a high-cost county, a loan above that up to the county limit is a high-balance conforming loan. Above the county limit, it's a jumbo loan.
Jumbo loans follow each lender's own guidelines and usually need a larger down payment, more cash in reserve and stricter qualifying.
California counties with their own page
- Alameda County: $1,249,125
- Contra Costa County: $1,249,125
- Los Angeles County: $1,249,125
- Marin County: $1,249,125
- Monterey County: $994,750
- Napa County: $1,017,750
- Orange County: $1,249,125
- San Benito County: $1,249,125
- San Diego County: $1,104,000
- San Francisco County: $1,249,125
- San Luis Obispo County: $1,000,500
- San Mateo County: $1,249,125
- Santa Barbara County: $941,850
- Santa Clara County: $1,249,125
- Santa Cruz County: $1,249,125
- Solano County: $832,750
- Sonoma County: $897,000
- Ventura County: $1,035,000
Property tax
California property tax rates by city and county, from county rate books and bill data, with each county's tax bill lookup.
Other states
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.