2026 Conforming Loan Limits in Contra Costa County, California
The 2026 conforming loan limit for a one-unit home in Contra Costa County, California is $1,249,125, the FHFA high-cost ceiling. Loans above that amount are jumbo loans.
Contra Costa County limits by number of units
| Units | Contra Costa 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 Contra Costa 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 Contra Costa 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) |
|---|---|
| Alamo | 1.0957% |
| Alhambra Valley | 1.1526% |
| Antioch | 1.0498% |
| Bay Point | 1.1038% |
| Bayview | 1.2746% |
| Blackhawk | 1.0957% |
| Brentwood | 1.1071% |
| Byron | 1.0995% |
| Camino Tassajara | 1.0957% |
| Castle Hill | 1.0970% |
| Clayton | 1.1038% |
| Clyde | 1.1038% |
| Concord | 1.1038% |
| Crockett | 1.1027% |
| Danville | 1.0957% |
| Diablo | 1.0957% |
| Discovery Bay | 1.0995% |
| East Richmond Heights | 1.2746% |
| El Cerrito | 1.2746% |
| El Sobrante | 1.2746% |
| Hercules | 1.2746% |
| Kensington | 1.2746% |
| Knightsen | 1.0593% |
| Lafayette | 1.0833% |
| Martinez | 1.1691% |
| Montalvin Manor | 1.2746% |
| Moraga | 1.1132% |
| Norris Canyon | 1.0957% |
| North Gate | 1.1038% |
| North Richmond | 1.2746% |
| Oakley | 1.0903% |
| Orinda | 1.1415% |
| Pinole | 1.2746% |
| Pittsburg | 1.1346% |
| Pleasant Hill | 1.1167% |
| Port Costa | 1.1027% |
| Richmond | 1.4146% |
| Rodeo | 1.1027% |
| San Miguel | 1.1038% |
| San Pablo | 1.2746% |
| San Ramon | 1.0957% |
| Saranap | 1.0970% |
| Tara Hills | 1.2746% |
| Vine Hill | 1.1526% |
| Walnut Creek | 1.0970% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.
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