Santa Barbara County, California loan limits 2026
FIPS 06083 · 41 ZIP codes, e.g. 93013, 93014, 93067, 93101, 93102, 93103 · metro area (CBSA) 42200
In Santa Barbara County the 2026 conforming loan limit is $941,850 for a single-family home — a high-cost area, 13.1% above the national baseline. The FHA limit is $941,850. Anything above $941,850 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 Santa Barbara 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) | $941,850 | $941,850 | +3.1% |
| 2 units | $1,205,750 | $1,205,750 | +3.1% |
| 3 units | $1,457,450 | $1,457,450 | +3.1% |
| 4 units | $1,811,300 | $1,811,300 | +3.1% |
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. Santa Barbara County is in metro area CBSA 42200; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $118,600 · Santa Maria-Santa Barbara, CA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $102,000 | $116,600 | $131,150 | $145,700 | $157,400 | $169,050 | $180,700 | $192,350 |
| Very low income (50%) | $63,750 | $72,850 | $81,950 | $91,050 | $98,350 | $105,650 | $112,950 | $120,200 |
| Extremely low income (30%) | $38,300 | $43,750 | $49,200 | $54,650 | $59,050 | $63,400 | $67,800 | $72,150 |
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 | $2,479/mo | $2,459 | +0.8% |
| 1 bedroom | $2,711/mo | $2,746 | -1.3% |
| 2 bedrooms | $3,106/mo | $3,124 | -0.6% |
| 3 bedrooms | $3,990/mo | $4,075 | -2.1% |
| 4 bedrooms | $4,557/mo | $4,647 | -1.9% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Santa Maria-Santa Barbara, 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 Santa Barbara County, CA for 2026?
$941,850 for a one-unit property ($1,205,750 for 2 units, $1,457,450 for 3, $1,811,300 for 4), set by the FHFA; it was $913,100 in 2025.
What is the FHA loan limit in Santa Barbara County?
$941,850 for a single-family home in 2026 (HUD), up to $1,811,300 for a four-unit property.
What counts as a jumbo loan in Santa Barbara County?
A mortgage above $941,850 for a single-family home is a jumbo (non-conforming) loan in Santa Barbara County in 2026.
What are the HUD income limits in Santa Barbara County?
For a family of four (FY2026): low income $145,700, very low income $91,050, extremely low income $54,650; area median family income $118,600.
What is the fair market rent in Santa Barbara County?
$3,106 a month for a two-bedroom unit in FY2027 (HUD), $2,711 for one bedroom.