Nevada County, California loan limits 2026
FIPS 06057 · 11 ZIP codes, e.g. 95712, 95924, 95945, 95946, 95949, 95959 · metro area (CBSA) 46020
In Nevada County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $649,750. 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 Nevada 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 | $649,750 | +3.3% |
| 2 units | $1,066,250 | $831,800 | +3.3% |
| 3 units | $1,288,800 | $1,005,450 | +3.3% |
| 4 units | $1,601,750 | $1,249,550 | +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. Nevada County is in metro area CBSA 46020; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $140,400 · Nevada County, CA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $70,050 | $80,050 | $90,050 | $100,100 | $108,100 | $116,150 | $124,100 | $132,150 |
| Very low income (50%) | $43,800 | $50,050 | $56,300 | $62,550 | $67,550 | $72,600 | $77,600 | $82,600 |
| Extremely low income (30%) | $26,300 | $30,050 | $33,800 | $37,550 | $40,600 | $44,360 | $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 | $1,313/mo | $1,373 | -4.4% |
| 1 bedroom | $1,441/mo | $1,382 | +4.3% |
| 2 bedrooms | $1,885/mo | $1,813 | +4% |
| 3 bedrooms | $2,610/mo | $2,521 | +3.5% |
| 4 bedrooms | $3,151/mo | $3,041 | +3.6% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Nevada County, CA.
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 Nevada 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 Nevada County?
$649,750 for a single-family home in 2026 (HUD), up to $1,249,550 for a four-unit property.
What counts as a jumbo loan in Nevada County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Nevada County in 2026.
What are the HUD income limits in Nevada County?
For a family of four (FY2026): low income $100,100, very low income $62,550, extremely low income $37,550; area median family income $140,400.
What is the fair market rent in Nevada County?
$1,885 a month for a two-bedroom unit in FY2027 (HUD), $1,441 for one bedroom.