2026 Conforming Loan Limits in Santa Barbara County, California
The 2026 conforming loan limit for a one-unit home in Santa Barbara County, California is $941,850, above the $832,750 national baseline because Santa Barbara County is a high-cost area. Loans above that amount are jumbo loans.
Santa Barbara County limits by number of units
| Units | Santa Barbara County limit | National baseline |
|---|---|---|
| 1 unit | $941,850 | $832,750 |
| 2 units | $1,205,750 | $1,066,250 |
| 3 units | $1,457,450 | $1,288,800 |
| 4 units | $1,811,300 | $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 Santa Barbara County, a one-unit loan up to $832,750 is a standard conforming loan, and a loan from $832,751 up to $941,850 is a high-balance conforming loan, which Fannie Mae and Freddie Mac still buy, though some program rules differ. A loan above $941,850 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 Santa Barbara 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) |
|---|---|
| Buellton | 1.0771% |
| Carpinteria | 1.0460% |
| Goleta | 1.0451% |
| Guadalupe | 1.1818% |
| Isla Vista | 1.0451% |
| Lompoc | 1.1237% |
| Montecito | 1.0287% |
| Orcutt | 1.0967% |
| Santa Barbara | 1.0508% |
| Santa Maria | 1.1033% |
| Solvang | 1.0567% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.
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