2026 Conforming Loan Limits in Ventura County, California
The 2026 conforming loan limit for a one-unit home in Ventura County, California is $1,035,000, above the $832,750 national baseline because Ventura County is a high-cost area. Loans above that amount are jumbo loans.
Ventura County limits by number of units
| Units | Ventura County limit | National baseline |
|---|---|---|
| 1 unit | $1,035,000 | $832,750 |
| 2 units | $1,325,000 | $1,066,250 |
| 3 units | $1,601,600 | $1,288,800 |
| 4 units | $1,990,450 | $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 Ventura County, a one-unit loan up to $832,750 is a standard conforming loan, and a loan from $832,751 up to $1,035,000 is a high-balance conforming loan, which Fannie Mae and Freddie Mac still buy, though some program rules differ. A loan above $1,035,000 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 Ventura 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) |
|---|---|
| Camarillo | 1.0959% |
| Fillmore | 1.1260% |
| Moorpark | 1.0703% |
| Oak Park | 1.1580% |
| Ojai | 1.0819% |
| Oxnard | 1.2088% |
| Port Hueneme | 1.1478% |
| Santa Paula | 1.1002% |
| Simi Valley | 1.0983% |
| Thousand Oaks | 1.0487% |
| Ventura | 1.0761% |
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.