San Diego County, California loan limits 2026
FIPS 06073 · 180 ZIP codes, e.g. 91901, 91902, 91903, 91905, 91906, 91908 · metro area (CBSA) 41740
In San Diego County the 2026 conforming loan limit is $1,104,000 for a single-family home — a high-cost area, 32.6% above the national baseline. The FHA limit is $1,104,000. Anything above $1,104,000 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 Diego 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) | $1,104,000 | $1,104,000 | +2.5% |
| 2 units | $1,413,350 | $1,413,350 | +2.5% |
| 3 units | $1,708,400 | $1,708,400 | +2.5% |
| 4 units | $2,123,100 | $2,123,100 | +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. San Diego County is in metro area CBSA 41740; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $130,900 · San Diego-Chula Vista-Carlsbad, CA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $97,950 | $111,950 | $125,950 | $139,900 | $151,100 | $162,300 | $173,500 | $184,700 |
| Very low income (50%) | $61,250 | $70,000 | $78,750 | $87,450 | $94,450 | $101,450 | $108,450 | $115,450 |
| Extremely low income (30%) | $36,750 | $42,000 | $47,250 | $52,450 | $56,650 | $60,850 | $65,050 | $69,250 |
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 | $2,192/mo | $2,288 | -4.2% |
| 1 bedroom | $2,335/mo | $2,459 | -5% |
| 2 bedrooms | $2,823/mo | $3,001 | -5.9% |
| 3 bedrooms | $3,743/mo | $3,998 | -6.4% |
| 4 bedrooms | $4,526/mo | $4,845 | -6.6% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: San Diego-Chula Vista-Carlsbad, 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 San Diego County, CA for 2026?
$1,104,000 for a one-unit property ($1,413,350 for 2 units, $1,708,400 for 3, $2,123,100 for 4), set by the FHFA; it was $1,077,550 in 2025.
What is the FHA loan limit in San Diego County?
$1,104,000 for a single-family home in 2026 (HUD), up to $2,123,100 for a four-unit property.
What counts as a jumbo loan in San Diego County?
A mortgage above $1,104,000 for a single-family home is a jumbo (non-conforming) loan in San Diego County in 2026.
What are the HUD income limits in San Diego County?
For a family of four (FY2026): low income $139,900, very low income $87,450, extremely low income $52,450; area median family income $130,900.
What is the fair market rent in San Diego County?
$2,823 a month for a two-bedroom unit in FY2027 (HUD), $2,335 for one bedroom.