El Dorado County, California loan limits 2026
FIPS 06017 · 30 ZIP codes, e.g. 95613, 95614, 95619, 95623, 95633, 95634 · metro area (CBSA) 40900
In El Dorado County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $764,750. Anything above $832,750 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 El Dorado 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) | $832,750 | $764,750 | +3.3% |
| 2 units | $1,066,250 | $979,000 | +3.3% |
| 3 units | $1,288,800 | $1,183,400 | +3.3% |
| 4 units | $1,601,750 | $1,470,700 | +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. El Dorado County is in metro area CBSA 40900; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $124,000 · Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $73,600 | $84,100 | $94,600 | $105,100 | $113,550 | $121,950 | $130,350 | $138,750 |
| Very low income (50%) | $46,000 | $52,600 | $59,150 | $65,700 | $71,000 | $76,250 | $81,500 | $86,750 |
| Extremely low income (30%) | $27,600 | $31,550 | $35,500 | $39,400 | $42,600 | $45,750 | $50,040 | $55,720 |
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 | $1,742/mo | $1,748 | -0.3% |
| 1 bedroom | $1,793/mo | $1,832 | -2.1% |
| 2 bedrooms | $2,201/mo | $2,255 | -2.4% |
| 3 bedrooms | $2,887/mo | $3,002 | -3.8% |
| 4 bedrooms | $3,329/mo | $3,460 | -3.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area.
Same metro area
Counties in CBSA 40900 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 El Dorado County, CA for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in El Dorado County?
$764,750 for a single-family home in 2026 (HUD), up to $1,470,700 for a four-unit property.
What counts as a jumbo loan in El Dorado County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in El Dorado County in 2026.
What are the HUD income limits in El Dorado County?
For a family of four (FY2026): low income $105,100, very low income $65,700, extremely low income $39,400; area median family income $124,000.
What is the fair market rent in El Dorado County?
$2,201 a month for a two-bedroom unit in FY2027 (HUD), $1,793 for one bedroom.