San Francisco County, California loan limits 2026
FIPS 06075 · 28 ZIP codes, e.g. 94102, 94103, 94104, 94105, 94107, 94108 · metro area (CBSA) 41860
In San Francisco County the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost area, 50% above the national baseline. The FHA limit is $1,249,125. Anything above $1,249,125 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 Francisco 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) | $1,249,125 | $1,249,125 | +3.3% |
| 2 units | $1,599,375 | $1,599,375 | +3.3% |
| 3 units | $1,933,200 | $1,933,200 | +3.3% |
| 4 units | $2,402,625 | $2,402,625 | +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 Francisco County is in metro area CBSA 41860; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $200,800 · San Francisco, CA HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $117,700 | $134,500 | $151,300 | $168,100 | $181,550 | $195,000 | $208,450 | $221,900 |
| Very low income (50%) | $73,550 | $84,050 | $94,550 | $105,050 | $113,500 | $121,900 | $130,300 | $138,700 |
| Extremely low income (30%) | $44,150 | $50,450 | $56,750 | $63,050 | $68,100 | $73,150 | $78,200 | $83,250 |
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 | $2,574/mo | $2,485 | +3.6% |
| 1 bedroom | $3,003/mo | $2,977 | +0.9% |
| 2 bedrooms | $3,697/mo | $3,604 | +2.6% |
| 3 bedrooms | $4,832/mo | $4,604 | +5% |
| 4 bedrooms | $5,439/mo | $4,772 | +14% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: San Francisco, CA HUD Metro FMR Area.
Same metro area
Counties in CBSA 41860 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 Francisco County, CA for 2026?
$1,249,125 for a one-unit property ($1,599,375 for 2 units, $1,933,200 for 3, $2,402,625 for 4), set by the FHFA; it was $1,209,750 in 2025.
What is the FHA loan limit in San Francisco County?
$1,249,125 for a single-family home in 2026 (HUD), up to $2,402,625 for a four-unit property.
What counts as a jumbo loan in San Francisco County?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in San Francisco County in 2026.
What are the HUD income limits in San Francisco County?
For a family of four (FY2026): low income $168,100, very low income $105,050, extremely low income $63,050; area median family income $200,800.
What is the fair market rent in San Francisco County?
$3,697 a month for a two-bedroom unit in FY2027 (HUD), $3,003 for one bedroom.