Los Angeles County, California loan limits 2026
FIPS 06037 · 493 ZIP codes, e.g. 90001, 90002, 90003, 90004, 90005, 90006 · metro area (CBSA) 31080
In Los Angeles 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 Los Angeles 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. Los Angeles County is in metro area CBSA 31080; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $108,100 · Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $93,300 | $106,600 | $119,950 | $133,250 | $143,900 | $154,600 | $165,250 | $175,900 |
| Very low income (50%) | $58,300 | $66,650 | $74,950 | $83,300 | $89,950 | $96,600 | $103,250 | $110,000 |
| Extremely low income (30%) | $35,000 | $40,000 | $45,000 | $50,000 | $54,000 | $58,000 | $62,000 | $66,000 |
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 | $2,151/mo | $1,863 | +15.5% |
| 1 bedroom | $2,402/mo | $2,085 | +15.2% |
| 2 bedrooms | $2,964/mo | $2,601 | +14% |
| 3 bedrooms | $3,760/mo | $3,298 | +14% |
| 4 bedrooms | $4,208/mo | $3,672 | +14.6% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area.
Same metro area
Counties in CBSA 31080 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 Los Angeles 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 Los Angeles 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 Los Angeles County?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in Los Angeles County in 2026.
What are the HUD income limits in Los Angeles County?
For a family of four (FY2026): low income $133,250, very low income $83,300, extremely low income $50,000; area median family income $108,100.
What is the fair market rent in Los Angeles County?
$2,964 a month for a two-bedroom unit in FY2027 (HUD), $2,402 for one bedroom.