Santa Clara County, California loan limits 2026
FIPS 06085 · 105 ZIP codes, e.g. 94022, 94023, 94024, 94039, 94040, 94041 · metro area (CBSA) 41940
In Santa Clara 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 Santa Clara 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. Santa Clara County is in metro area CBSA 41940; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $205,500 · San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $113,700 | $129,950 | $146,200 | $162,400 | $175,400 | $188,400 | $201,400 | $214,400 |
| Very low income (50%) | $71,950 | $82,200 | $92,500 | $102,750 | $111,000 | $119,200 | $127,450 | $135,650 |
| Extremely low income (30%) | $43,200 | $49,350 | $55,500 | $61,650 | $66,600 | $71,550 | $76,450 | $81,400 |
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 | $2,458/mo | $2,621 | -6.2% |
| 1 bedroom | $2,778/mo | $2,982 | -6.8% |
| 2 bedrooms | $3,272/mo | $3,483 | -6.1% |
| 3 bedrooms | $4,396/mo | $4,602 | -4.5% |
| 4 bedrooms | $4,688/mo | $5,010 | -6.4% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area.
Same metro area
Counties in CBSA 41940 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 Santa Clara 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 Santa Clara 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 Santa Clara County?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in Santa Clara County in 2026.
What are the HUD income limits in Santa Clara County?
For a family of four (FY2026): low income $162,400, very low income $102,750, extremely low income $61,650; area median family income $205,500.
What is the fair market rent in Santa Clara County?
$3,272 a month for a two-bedroom unit in FY2027 (HUD), $2,778 for one bedroom.