2026 Conforming Loan Limits in Orange County, California
The 2026 conforming loan limit for a one-unit home in Orange County, California is $1,249,125, the FHFA high-cost ceiling. Loans above that amount are jumbo loans.
Orange County limits by number of units
| Units | Orange 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 Orange 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 Orange 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) |
|---|---|
| Aliso Viejo | 1.0085% |
| Anaheim | 1.1322% |
| Brea | 1.1347% |
| Buena Park | 1.1355% |
| Costa Mesa | 1.0513% |
| Cypress | 1.1163% |
| Dana Point | 1.0085% |
| Fountain Valley | 1.0755% |
| Fullerton | 1.1066% |
| Garden Grove | 1.2012% |
| Huntington Beach | 1.1010% |
| Irvine | 1.0352% |
| La Habra | 1.1141% |
| La Palma | 1.1355% |
| Laguna Beach | 1.0123% |
| Laguna Hills | 1.0272% |
| Laguna Niguel | 1.0085% |
| Laguna Woods | 1.0272% |
| Lake Forest | 1.0272% |
| Los Alamitos | 1.1137% |
| Mission Viejo | 1.0085% |
| Newport Beach | 1.0513% |
| Orange | 1.0599% |
| Placentia | 1.0815% |
| Rancho Santa Margarita | 1.0272% |
| San Clemente | 1.0085% |
| San Juan Capistrano | 1.0231% |
| Santa Ana | 1.1406% |
| Seal Beach | 1.1131% |
| Stanton | 1.1479% |
| Tustin | 1.0834% |
| Villa Park | 1.0599% |
| Westminster | 1.1023% |
| Yorba Linda | 1.0815% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.