Sonoma County, California loan limits 2026
FIPS 06097 · 50 ZIP codes, e.g. 94515, 94922, 94923, 94926, 94927, 94928 · metro area (CBSA) 42220
In Sonoma County the 2026 conforming loan limit is $897,000 for a single-family home — a high-cost area, 7.7% above the national baseline. The FHA limit is $897,000. Anything above $897,000 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 Sonoma 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) | $897,000 | $897,000 | 0% |
| 2 units | $1,148,350 | $1,148,350 | 0% |
| 3 units | $1,388,050 | $1,388,050 | 0% |
| 4 units | $1,725,050 | $1,725,050 | 0% |
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. Sonoma County is in metro area CBSA 42220; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $133,400 · Santa Rosa-Petaluma, CA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $92,300 | $105,500 | $118,700 | $131,850 | $142,400 | $152,950 | $163,500 | $174,050 |
| Very low income (50%) | $57,700 | $65,950 | $74,200 | $82,400 | $89,000 | $95,600 | $102,200 | $108,800 |
| Extremely low income (30%) | $34,650 | $39,600 | $44,550 | $49,450 | $53,450 | $57,400 | $61,350 | $65,300 |
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 | $1,980/mo | $1,949 | +1.6% |
| 1 bedroom | $2,155/mo | $2,155 | 0% |
| 2 bedrooms | $2,819/mo | $2,827 | -0.3% |
| 3 bedrooms | $3,903/mo | $3,887 | +0.4% |
| 4 bedrooms | $4,295/mo | $4,147 | +3.6% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Santa Rosa-Petaluma, 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 Sonoma County, CA for 2026?
$897,000 for a one-unit property ($1,148,350 for 2 units, $1,388,050 for 3, $1,725,050 for 4), set by the FHFA; it was $897,000 in 2025.
What is the FHA loan limit in Sonoma County?
$897,000 for a single-family home in 2026 (HUD), up to $1,725,050 for a four-unit property.
What counts as a jumbo loan in Sonoma County?
A mortgage above $897,000 for a single-family home is a jumbo (non-conforming) loan in Sonoma County in 2026.
What are the HUD income limits in Sonoma County?
For a family of four (FY2026): low income $131,850, very low income $82,400, extremely low income $49,450; area median family income $133,400.
What is the fair market rent in Sonoma County?
$2,819 a month for a two-bedroom unit in FY2027 (HUD), $2,155 for one bedroom.