2026 Conforming Loan Limits in San Mateo County, California
The 2026 conforming loan limit for a one-unit home in San Mateo County, California is $1,249,125, the FHFA high-cost ceiling. Loans above that amount are jumbo loans.
San Mateo County limits by number of units
| Units | San Mateo 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 San Mateo 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 San Mateo 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) |
|---|---|
| Atherton | 1.0913% |
| Belmont | 1.1247% |
| Brisbane | 1.1560% |
| Broadmoor | 1.1602% |
| Burlingame | 1.1196% |
| Colma | 1.1602% |
| Daly City | 1.1602% |
| East Palo Alto | 1.1191% |
| El Granada | 1.1598% |
| Emerald Hills | 1.0941% |
| Foster City | 1.1456% |
| Half Moon Bay | 1.1598% |
| Highlands | 1.1171% |
| Hillsborough | 1.1185% |
| La Honda | 1.1146% |
| Loma Mar | 1.1146% |
| Menlo Park | 1.0958% |
| Millbrae | 1.1263% |
| Montara | 1.1828% |
| Moss Beach | 1.1828% |
| North Fair Oaks | 1.0941% |
| Pacifica | 1.1774% |
| Pescadero | 1.1146% |
| Portola Valley | 1.0860% |
| Redwood City | 1.0941% |
| San Bruno | 1.0831% |
| San Carlos | 1.1161% |
| San Gregorio | 1.1146% |
| San Mateo | 1.1201% |
| South San Francisco | 1.0718% |
| Woodside | 1.0935% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.