San Bernardino County, California loan limits 2026
FIPS 06071 · 112 ZIP codes, e.g. 91701, 91708, 91709, 91710, 91729, 91730 · metro area (CBSA) 40140
In San Bernardino County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $690,000. 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 San Bernardino 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 | $690,000 | +3.3% |
| 2 units | $1,066,250 | $883,300 | +3.3% |
| 3 units | $1,288,800 | $1,067,750 | +3.3% |
| 4 units | $1,601,750 | $1,326,950 | +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. San Bernardino County is in metro area CBSA 40140; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $106,500 · Riverside-San Bernardino-Ontario, CA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $68,900 | $78,750 | $88,600 | $98,400 | $106,300 | $114,150 | $122,050 | $129,900 |
| Very low income (50%) | $43,050 | $49,200 | $55,350 | $61,500 | $66,450 | $71,350 | $76,300 | $81,200 |
| Extremely low income (30%) | $25,850 | $29,550 | $33,250 | $36,900 | $39,900 | $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 | $1,605/mo | $1,692 | -5.1% |
| 1 bedroom | $1,705/mo | $1,777 | -4.1% |
| 2 bedrooms | $2,103/mo | $2,201 | -4.5% |
| 3 bedrooms | $2,771/mo | $2,912 | -4.8% |
| 4 bedrooms | $3,336/mo | $3,514 | -5.1% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Riverside-San Bernardino-Ontario, CA MSA.
Same metro area
Counties in CBSA 40140 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 San Bernardino 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 San Bernardino County?
$690,000 for a single-family home in 2026 (HUD), up to $1,326,950 for a four-unit property.
What counts as a jumbo loan in San Bernardino County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in San Bernardino County in 2026.
What are the HUD income limits in San Bernardino County?
For a family of four (FY2026): low income $98,400, very low income $61,500, extremely low income $36,900; area median family income $106,500.
What is the fair market rent in San Bernardino County?
$2,103 a month for a two-bedroom unit in FY2027 (HUD), $1,705 for one bedroom.