2026 Conforming Loan Limits in Monterey County, California
The 2026 conforming loan limit for a one-unit home in Monterey County, California is $994,750, above the $832,750 national baseline because Monterey County is a high-cost area. Loans above that amount are jumbo loans.
Monterey County limits by number of units
| Units | Monterey County limit | National baseline |
|---|---|---|
| 1 unit | $994,750 | $832,750 |
| 2 units | $1,273,450 | $1,066,250 |
| 3 units | $1,539,350 | $1,288,800 |
| 4 units | $1,913,000 | $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 Monterey County, a one-unit loan up to $832,750 is a standard conforming loan, and a loan from $832,751 up to $994,750 is a high-balance conforming loan, which Fannie Mae and Freddie Mac still buy, though some program rules differ. A loan above $994,750 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 Monterey 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) |
|---|---|
| Carmel Valley | 1.0350% |
| Carmel-by-the-Sea | 1.0350% |
| Castroville | 1.0865% |
| Del Rey Oaks | 1.1520% |
| Gonzales | 1.1252% |
| Greenfield | 1.2190% |
| King City | 1.2315% |
| Marina | 1.1662% |
| Monterey | 1.1520% |
| Pacific Grove | 1.1003% |
| Pebble Beach | 1.0350% |
| Prunedale | 1.0865% |
| Salinas | 1.1708% |
| Sand City | 1.1520% |
| Seaside | 1.1520% |
| Soledad | 1.1797% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.