2026 Conforming Loan Limits in San Diego County, California
The 2026 conforming loan limit for a one-unit home in San Diego County, California is $1,104,000, above the $832,750 national baseline because San Diego County is a high-cost area. Loans above that amount are jumbo loans.
San Diego County limits by number of units
| Units | San Diego County limit | National baseline |
|---|---|---|
| 1 unit | $1,104,000 | $832,750 |
| 2 units | $1,413,350 | $1,066,250 |
| 3 units | $1,708,400 | $1,288,800 |
| 4 units | $2,123,100 | $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 San Diego County, a one-unit loan up to $832,750 is a standard conforming loan, and a loan from $832,751 up to $1,104,000 is a high-balance conforming loan, which Fannie Mae and Freddie Mac still buy, though some program rules differ. A loan above $1,104,000 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 San Diego 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) |
|---|---|
| Carlsbad | 1.0869% |
| Chula Vista | 1.1696% |
| Coronado | 1.0687% |
| Del Mar | 1.0632% |
| El Cajon | 1.1750% |
| Encinitas | 1.0557% |
| Escondido | 1.1391% |
| Imperial Beach | 1.1984% |
| La Mesa | 1.1792% |
| Lemon Grove | 1.2557% |
| National City | 1.1711% |
| Oceanside | 1.1120% |
| Poway | 1.1194% |
| San Diego | 1.2530% |
| San Marcos | 1.1084% |
| Santee | 1.1683% |
| Solana Beach | 1.0595% |
| Vista | 1.0871% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.