2026 Conforming Loan Limits in Napa County, California
The 2026 conforming loan limit for a one-unit home in Napa County, California is $1,017,750, above the $832,750 national baseline because Napa County is a high-cost area. Loans above that amount are jumbo loans.
Napa County limits by number of units
| Units | Napa County limit | National baseline |
|---|---|---|
| 1 unit | $1,017,750 | $832,750 |
| 2 units | $1,302,900 | $1,066,250 |
| 3 units | $1,574,900 | $1,288,800 |
| 4 units | $1,957,250 | $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 Napa County, a one-unit loan up to $832,750 is a standard conforming loan, and a loan from $832,751 up to $1,017,750 is a high-balance conforming loan, which Fannie Mae and Freddie Mac still buy, though some program rules differ. A loan above $1,017,750 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 Napa 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) |
|---|---|
| American Canyon | 1.1073% |
| Angwin | 1.0189% |
| Calistoga | 1.0809% |
| Deer Park | 1.0501% |
| Moskowite Corner | 1.1122% |
| Napa | 1.1272% |
| Oakville | 1.0501% |
| Rutherford | 1.0501% |
| St. Helena | 1.0592% |
| Yountville | 1.0934% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.