Yolo County, California loan limits 2026
FIPS 06113 · 21 ZIP codes, e.g. 95605, 95606, 95607, 95612, 95616, 95617 · metro area (CBSA) 40900
In Yolo County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $764,750. Anything above $832,750 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 Yolo 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) | $832,750 | $764,750 | +3.3% |
| 2 units | $1,066,250 | $979,000 | +3.3% |
| 3 units | $1,288,800 | $1,183,400 | +3.3% |
| 4 units | $1,601,750 | $1,470,700 | +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. Yolo County is in metro area CBSA 40900; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $129,600 · Yolo, CA HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $72,600 | $83,000 | $93,350 | $103,700 | $112,000 | $120,300 | $128,600 | $136,900 |
| Very low income (50%) | $45,400 | $51,850 | $58,350 | $64,800 | $70,000 | $75,200 | $80,400 | $85,550 |
| Extremely low income (30%) | $27,250 | $31,150 | $35,050 | $38,900 | $42,050 | $45,150 | $50,040 | $55,720 |
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 | $1,659/mo | $1,604 | +3.4% |
| 1 bedroom | $1,670/mo | $1,615 | +3.4% |
| 2 bedrooms | $2,135/mo | $2,104 | +1.5% |
| 3 bedrooms | $2,956/mo | $2,917 | +1.3% |
| 4 bedrooms | $3,095/mo | $3,178 | -2.6% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Yolo, CA HUD Metro FMR Area.
Same metro area
Counties in CBSA 40900 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 Yolo County, CA for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Yolo County?
$764,750 for a single-family home in 2026 (HUD), up to $1,470,700 for a four-unit property.
What counts as a jumbo loan in Yolo County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Yolo County in 2026.
What are the HUD income limits in Yolo County?
For a family of four (FY2026): low income $103,700, very low income $64,800, extremely low income $38,900; area median family income $129,600.
What is the fair market rent in Yolo County?
$2,135 a month for a two-bedroom unit in FY2027 (HUD), $1,670 for one bedroom.