Alameda County, California loan limits 2026
FIPS 06001 · 69 ZIP codes, e.g. 94501, 94502, 94536, 94537, 94538, 94539 · metro area (CBSA) 41860
In Alameda County the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost area, 50% above the national baseline. The FHA limit is $1,249,125. Anything above $1,249,125 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Alameda County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $1,249,125 | $1,249,125 | +3.3% |
| 2 units | $1,599,375 | $1,599,375 | +3.3% |
| 3 units | $1,933,200 | $1,933,200 | +3.3% |
| 4 units | $2,402,625 | $2,402,625 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Alameda County is in metro area CBSA 41860; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $162,800 · Oakland-Fremont, CA HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $95,050 | $108,600 | $122,200 | $135,750 | $146,650 | $157,500 | $168,350 | $179,200 |
| Very low income (50%) | $59,400 | $67,900 | $76,400 | $84,850 | $91,650 | $98,450 | $105,250 | $112,050 |
| Extremely low income (30%) | $35,650 | $40,750 | $45,850 | $50,900 | $55,000 | $59,050 | $63,150 | $67,200 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $2,088/mo | $2,142 | -2.5% |
| 1 bedroom | $2,290/mo | $2,385 | -4% |
| 2 bedrooms | $2,805/mo | $2,912 | -3.7% |
| 3 bedrooms | $3,592/mo | $3,724 | -3.5% |
| 4 bedrooms | $4,250/mo | $4,413 | -3.7% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Oakland-Fremont, CA HUD Metro FMR Area.
Same metro area
Counties in CBSA 41860 share the same loan limits.
Other counties in California
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Alameda County, CA for 2026?
$1,249,125 for a one-unit property ($1,599,375 for 2 units, $1,933,200 for 3, $2,402,625 for 4), set by the FHFA; it was $1,209,750 in 2025.
What is the FHA loan limit in Alameda County?
$1,249,125 for a single-family home in 2026 (HUD), up to $2,402,625 for a four-unit property.
What counts as a jumbo loan in Alameda County?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in Alameda County in 2026.
What are the HUD income limits in Alameda County?
For a family of four (FY2026): low income $135,750, very low income $84,850, extremely low income $50,900; area median family income $162,800.
What is the fair market rent in Alameda County?
$2,805 a month for a two-bedroom unit in FY2027 (HUD), $2,290 for one bedroom.