Ventura County, California loan limits 2026
FIPS 06111 · 49 ZIP codes, e.g. 91319, 91320, 91358, 91359, 91360, 91361 · metro area (CBSA) 37100
In Ventura County the 2026 conforming loan limit is $1,035,000 for a single-family home — a high-cost area, 24.3% above the national baseline. The FHA limit is $1,035,000. Anything above $1,035,000 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 Ventura 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) | $1,035,000 | $1,035,000 | +1.7% |
| 2 units | $1,325,000 | $1,325,000 | +1.7% |
| 3 units | $1,601,600 | $1,601,600 | +1.7% |
| 4 units | $1,990,450 | $1,990,450 | +1.7% |
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. Ventura County is in metro area CBSA 37100; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $135,600 · Oxnard-Thousand Oaks-Ventura, CA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $87,950 | $100,500 | $113,050 | $125,600 | $135,650 | $145,700 | $155,750 | $165,800 |
| Very low income (50%) | $54,950 | $62,800 | $70,650 | $78,500 | $84,800 | $91,100 | $97,350 | $103,650 |
| Extremely low income (30%) | $33,000 | $37,700 | $42,400 | $47,100 | $50,900 | $54,650 | $58,450 | $62,200 |
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 | $1,827/mo | $1,998 | -8.6% |
| 1 bedroom | $2,035/mo | $2,250 | -9.6% |
| 2 bedrooms | $2,424/mo | $2,693 | -10% |
| 3 bedrooms | $3,287/mo | $3,652 | -10% |
| 4 bedrooms | $3,816/mo | $4,240 | -10% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Oxnard-Thousand Oaks-Ventura, 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 Ventura County, CA for 2026?
$1,035,000 for a one-unit property ($1,325,000 for 2 units, $1,601,600 for 3, $1,990,450 for 4), set by the FHFA; it was $1,017,750 in 2025.
What is the FHA loan limit in Ventura County?
$1,035,000 for a single-family home in 2026 (HUD), up to $1,990,450 for a four-unit property.
What counts as a jumbo loan in Ventura County?
A mortgage above $1,035,000 for a single-family home is a jumbo (non-conforming) loan in Ventura County in 2026.
What are the HUD income limits in Ventura County?
For a family of four (FY2026): low income $125,600, very low income $78,500, extremely low income $47,100; area median family income $135,600.
What is the fair market rent in Ventura County?
$2,424 a month for a two-bedroom unit in FY2027 (HUD), $2,035 for one bedroom.