2026 Conforming Loan Limits in San Luis Obispo County, California
The 2026 conforming loan limit for a one-unit home in San Luis Obispo County, California is $1,000,500, above the $832,750 national baseline because San Luis Obispo County is a high-cost area. Loans above that amount are jumbo loans.
San Luis Obispo County limits by number of units
| Units | San Luis Obispo County limit | National baseline |
|---|---|---|
| 1 unit | $1,000,500 | $832,750 |
| 2 units | $1,280,850 | $1,066,250 |
| 3 units | $1,548,250 | $1,288,800 |
| 4 units | $1,924,100 | $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 Luis Obispo County, a one-unit loan up to $832,750 is a standard conforming loan, and a loan from $832,751 up to $1,000,500 is a high-balance conforming loan, which Fannie Mae and Freddie Mac still buy, though some program rules differ. A loan above $1,000,500 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 Luis Obispo County
Fiscal year 2025-26 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 2025-26) |
|---|---|
| Arroyo Grande | 1.0682% |
| Atascadero | 1.1423% |
| Grover Beach | 1.1532% |
| Morro Bay | 1.1022% |
| Paso Robles | 1.1073% |
| Pismo Beach | 1.0682% |
| San Luis Obispo | 1.1022% |
| Templeton | 1.1342% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.
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