2026 Conforming Loan Limits in Alameda County, California
The 2026 conforming loan limit for a one-unit home in Alameda County, California is $1,249,125, the FHFA high-cost ceiling. Loans above that amount are jumbo loans.
Alameda County limits by number of units
| Units | Alameda County limit | National baseline |
|---|---|---|
| 1 unit | $1,249,125 | $832,750 |
| 2 units | $1,599,375 | $1,066,250 |
| 3 units | $1,933,200 | $1,288,800 |
| 4 units | $2,402,625 | $1,601,750 |
What this means
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.
In Alameda County, a one-unit loan up to $832,750 is a standard conforming loan, and a loan from $832,751 up to $1,249,125 is a high-balance conforming loan, which Fannie Mae and Freddie Mac still buy, though some program rules differ. A loan above $1,249,125 is 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.
Property tax rates in Alameda County
Fiscal year 2026-27 rates from the county's tax rate book, for each city's primary tax rate area. Each rate is the 1% Proposition 13 base plus voter-approved bonds.
| City or community | Tax rate (FY 2026-27) |
|---|---|
| Alameda | 1.2150% |
| Albany | 1.3465% |
| Ashland | 1.2654% |
| Berkeley | 1.2313% |
| Castro Valley | 1.1800% |
| Cherryland | 1.2126% |
| Dublin | 1.2331% |
| Emeryville | 1.1627% |
| Fairview | 1.2126% |
| Fremont | 1.1746% |
| Hayward | 1.1966% |
| Livermore | 1.1384% |
| Newark | 1.1458% |
| Oakland | 1.2849% |
| Piedmont | 1.1819% |
| Pleasanton | 1.1691% |
| San Leandro | 1.2308% |
| San Lorenzo | 1.2654% |
| Sunol | 1.1346% |
| Union City | 1.2641% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.