2026 Conforming Loan Limits in Santa Clara County, California
The 2026 conforming loan limit for a one-unit home in Santa Clara County, California is $1,249,125, the FHFA high-cost ceiling. Loans above that amount are jumbo loans.
Santa Clara County limits by number of units
| Units | Santa Clara 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 Santa Clara 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 Santa Clara 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) |
|---|---|
| Campbell | 1.2169% |
| Cupertino | 1.1636% |
| Gilroy | 1.2186% |
| Los Altos | 1.1530% |
| Los Altos Hills | 1.1530% |
| Los Gatos | 1.1459% |
| Milpitas | 1.1389% |
| Monte Sereno | 1.1483% |
| Morgan Hill | 1.1297% |
| Mountain View | 1.1599% |
| Palo Alto | 1.2014% |
| San Jose | 1.2079% |
| San Martin | 1.1297% |
| Santa Clara | 1.1825% |
| Saratoga | 1.1467% |
| Stanford | 1.1963% |
| Sunnyvale | 1.1730% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.
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