2026 Conforming Loan Limits in Sonoma County, California
The 2026 conforming loan limit for a one-unit home in Sonoma County, California is $897,000, above the $832,750 national baseline because Sonoma County is a high-cost area. Loans above that amount are jumbo loans.
Sonoma County limits by number of units
| Units | Sonoma County limit | National baseline |
|---|---|---|
| 1 unit | $897,000 | $832,750 |
| 2 units | $1,148,350 | $1,066,250 |
| 3 units | $1,388,050 | $1,288,800 |
| 4 units | $1,725,050 | $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 Sonoma County, a one-unit loan up to $832,750 is a standard conforming loan, and a loan from $832,751 up to $897,000 is a high-balance conforming loan, which Fannie Mae and Freddie Mac still buy, though some program rules differ. A loan above $897,000 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 Sonoma 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) |
|---|---|
| Bodega | 1.1257% |
| Bodega Bay | 1.0614% |
| Boyes Hot Springs | 1.1140% |
| Cazadero | 1.0720% |
| Cloverdale | 1.1690% |
| Cotati | 1.1390% |
| El Verano | 1.1140% |
| Forestville | 1.1237% |
| Fulton | 1.1285% |
| Geyserville | 1.0835% |
| Glen Ellen | 1.1140% |
| Graton | 1.1207% |
| Guerneville | 1.1167% |
| Healdsburg | 1.1255% |
| Jenner | 1.1032% |
| Kenwood | 1.1125% |
| Larkfield-Wikiup | 1.1285% |
| Monte Rio | 1.1032% |
| Occidental | 1.1257% |
| Penngrove | 1.1243% |
| Petaluma | 1.1243% |
| Rio Nido | 1.1167% |
| Rohnert Park | 1.1390% |
| Santa Rosa | 1.1315% |
| Sebastopol | 1.1502% |
| Sonoma | 1.1140% |
| The Sea Ranch | 1.0625% |
| Valley Ford | 1.0614% |
| Windsor | 1.1235% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.