Napa County, California loan limits 2026
FIPS 06055 · 11 ZIP codes, e.g. 94503, 94508, 94558, 94559, 94562, 94567 · metro area (CBSA) 34900
In Napa County the 2026 conforming loan limit is $1,017,750 for a single-family home — a high-cost area, 22.2% above the national baseline. The FHA limit is $1,017,750. Anything above $1,017,750 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 Napa 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) | $1,017,750 | $1,017,750 | 0% |
| 2 units | $1,302,900 | $1,302,900 | 0% |
| 3 units | $1,574,900 | $1,574,900 | 0% |
| 4 units | $1,957,250 | $1,957,250 | 0% |
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. Napa County is in metro area CBSA 34900; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $165,400 · Napa, CA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $98,700 | $112,800 | $126,850 | $140,950 | $152,250 | $163,550 | $174,800 | $186,100 |
| Very low income (50%) | $61,700 | $70,500 | $79,350 | $88,150 | $95,250 | $102,300 | $109,300 | $116,350 |
| Extremely low income (30%) | $37,050 | $42,350 | $47,650 | $52,900 | $57,150 | $61,400 | $65,600 | $69,850 |
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 | $2,350/mo | $1,912 | +22.9% |
| 1 bedroom | $2,580/mo | $2,113 | +22.1% |
| 2 bedrooms | $3,375/mo | $2,773 | +21.7% |
| 3 bedrooms | $4,201/mo | $3,532 | +18.9% |
| 4 bedrooms | $5,094/mo | $4,134 | +23.2% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Napa, 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 Napa County, CA for 2026?
$1,017,750 for a one-unit property ($1,302,900 for 2 units, $1,574,900 for 3, $1,957,250 for 4), set by the FHFA; it was $1,017,750 in 2025.
What is the FHA loan limit in Napa County?
$1,017,750 for a single-family home in 2026 (HUD), up to $1,957,250 for a four-unit property.
What counts as a jumbo loan in Napa County?
A mortgage above $1,017,750 for a single-family home is a jumbo (non-conforming) loan in Napa County in 2026.
What are the HUD income limits in Napa County?
For a family of four (FY2026): low income $140,950, very low income $88,150, extremely low income $52,900; area median family income $165,400.
What is the fair market rent in Napa County?
$3,375 a month for a two-bedroom unit in FY2027 (HUD), $2,580 for one bedroom.