Monterey County, California loan limits 2026
FIPS 06053 · 35 ZIP codes, e.g. 93426, 93450, 93451, 93901, 93902, 93905 · metro area (CBSA) 41500
In Monterey County the 2026 conforming loan limit is $994,750 for a single-family home — a high-cost area, 19.5% above the national baseline. The FHA limit is $994,750. Anything above $994,750 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 Monterey 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) | $994,750 | $994,750 | +2.5% |
| 2 units | $1,273,450 | $1,273,450 | +2.5% |
| 3 units | $1,539,350 | $1,539,350 | +2.5% |
| 4 units | $1,913,000 | $1,913,000 | +2.5% |
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. Monterey County is in metro area CBSA 41500; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $110,500 · Salinas, CA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $87,600 | $100,100 | $112,600 | $125,100 | $135,150 | $145,150 | $155,150 | $165,150 |
| Very low income (50%) | $54,750 | $62,600 | $70,400 | $78,200 | $84,500 | $90,750 | $97,000 | $103,250 |
| Extremely low income (30%) | $32,850 | $37,550 | $42,250 | $46,900 | $50,700 | $54,450 | $58,200 | $61,950 |
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 | $1,956/mo | $2,173 | -10% |
| 1 bedroom | $2,009/mo | $2,232 | -10% |
| 2 bedrooms | $2,416/mo | $2,684 | -10% |
| 3 bedrooms | $3,261/mo | $3,623 | -10% |
| 4 bedrooms | $3,551/mo | $3,945 | -10% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Salinas, CA MSA.
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 Monterey County, CA for 2026?
$994,750 for a one-unit property ($1,273,450 for 2 units, $1,539,350 for 3, $1,913,000 for 4), set by the FHFA; it was $970,600 in 2025.
What is the FHA loan limit in Monterey County?
$994,750 for a single-family home in 2026 (HUD), up to $1,913,000 for a four-unit property.
What counts as a jumbo loan in Monterey County?
A mortgage above $994,750 for a single-family home is a jumbo (non-conforming) loan in Monterey County in 2026.
What are the HUD income limits in Monterey County?
For a family of four (FY2026): low income $125,100, very low income $78,200, extremely low income $46,900; area median family income $110,500.
What is the fair market rent in Monterey County?
$2,416 a month for a two-bedroom unit in FY2027 (HUD), $2,009 for one bedroom.