Limits for 2026 · updated 2026-10-29
California loan limits 2026
17 of 58 counties in California are high-cost areas with a conforming limit above the $832,750 baseline — the highest is $1,249,125 in 10 counties, including Santa Cruz County, Marin County, San Francisco County. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
Baseline ($832,750) 41Up to 10% above baseline 110–25% above 525%+ above 1High-cost ceiling ($1,249,125) 10
All counties
| Alameda County | $1,249,125 | +3.3% | $1,249,125 | $1,750,000 | $2,805 |
| Contra Costa County | $1,249,125 | +3.3% | $1,249,125 | $1,750,000 | $2,805 |
| Los Angeles County | $1,249,125 | +3.3% | $1,249,125 | $1,300,000 | $2,964 |
| Marin County | $1,249,125 | +3.3% | $1,249,125 | $1,750,000 | $3,697 |
| Orange County | $1,249,125 | +3.3% | $1,249,125 | $1,300,000 | $3,057 |
| San Benito County | $1,249,125 | +3.3% | $1,249,125 | $1,820,000 | $3,004 |
| San Francisco County | $1,249,125 | +3.3% | $1,249,125 | $1,750,000 | $3,697 |
| San Mateo County | $1,249,125 | +3.3% | $1,249,125 | $1,750,000 | $3,697 |
| Santa Clara County | $1,249,125 | +3.3% | $1,249,125 | $1,820,000 | $3,272 |
| Santa Cruz County | $1,249,125 | +6% | $1,249,125 | $1,100,000 | $4,254 |
| San Diego County | $1,104,000 | +2.5% | $1,104,000 | $960,000 | $2,823 |
| Ventura County | $1,035,000 | +1.7% | $1,035,000 | $900,000 | $2,424 |
| Napa County | $1,017,750 | 0% | $1,017,750 | $850,000 | $3,375 |
| San Luis Obispo County | $1,000,500 | +3.4% | $1,000,500 | $870,000 | $2,720 |
| Monterey County | $994,750 | +2.5% | $994,750 | $865,000 | $2,416 |
| Santa Barbara County | $941,850 | +3.1% | $941,850 | $819,000 | $3,106 |
| Sonoma County | $897,000 | 0% | $897,000 | $780,000 | $2,819 |
| Alpine County | $832,750 | +3.3% | $736,000 | $640,000 | $1,526 |
| Amador County | $832,750 | +3.3% | $541,287 | $385,000 | $1,765 |
| Butte County | $832,750 | +3.3% | $541,287 | $288,000 | $1,509 |
| Calaveras County | $832,750 | +3.3% | $541,287 | $385,000 | $1,533 |
| Colusa County | $832,750 | +3.3% | $541,287 | $395,000 | $1,344 |
| Del Norte County | $832,750 | +3.3% | $541,287 | $295,000 | $1,406 |
| El Dorado County | $832,750 | +3.3% | $764,750 | $665,000 | $2,201 |
| Fresno County | $832,750 | +3.3% | $541,287 | $430,000 | $1,685 |
| Glenn County | $832,750 | +3.3% | $541,287 | $300,000 | $1,361 |
| Humboldt County | $832,750 | +3.3% | $541,287 | $400,000 | $1,554 |
| Imperial County | $832,750 | +3.3% | $541,287 | $355,000 | $1,347 |
| Inyo County | $832,750 | +3.3% | $541,287 | $455,000 | $1,465 |
| Kern County | $832,750 | +3.3% | $541,287 | $365,000 | $1,656 |
| Kings County | $832,750 | +3.3% | $541,287 | $370,000 | $1,512 |
| Lake County | $832,750 | +3.3% | $541,287 | $260,000 | $1,616 |
| Lassen County | $832,750 | +3.3% | $541,287 | $200,000 | $1,248 |
| Madera County | $832,750 | +3.3% | $541,287 | $430,000 | $1,460 |
| Mariposa County | $832,750 | +3.3% | $541,287 | $330,000 | $1,486 |
| Mendocino County | $832,750 | +3.3% | $546,250 | $459,000 | $1,683 |
| Merced County | $832,750 | +3.3% | $541,287 | $420,000 | $1,517 |
| Modoc County | $832,750 | +3.3% | $541,287 | $175,000 | $1,084 |
| Mono County | $832,750 | +3.3% | $776,250 | $670,000 | $1,927 |
| Nevada County | $832,750 | +3.3% | $649,750 | $565,000 | $1,885 |
| Placer County | $832,750 | +3.3% | $764,750 | $665,000 | $2,201 |
| Plumas County | $832,750 | +3.3% | $541,287 | $311,000 | $1,422 |
| Riverside County | $832,750 | +3.3% | $690,000 | $600,000 | $2,103 |
| Sacramento County | $832,750 | +3.3% | $764,750 | $665,000 | $2,201 |
| San Bernardino County | $832,750 | +3.3% | $690,000 | $600,000 | $2,103 |
| San Joaquin County | $832,750 | +3.3% | $678,500 | $589,000 | $2,015 |
| Shasta County | $832,750 | +3.3% | $541,287 | $350,000 | $1,581 |
| Sierra County | $832,750 | +3.3% | $541,287 | $220,000 | $1,526 |
| Siskiyou County | $832,750 | +3.3% | $541,287 | $205,000 | $1,254 |
| Solano County | $832,750 | +3.3% | $685,400 | $594,000 | $2,342 |
| Stanislaus County | $832,750 | +3.3% | $545,100 | $474,000 | $1,803 |
| Sutter County | $832,750 | +3.3% | $541,287 | $452,000 | $1,600 |
| Tehama County | $832,750 | +3.3% | $541,287 | $295,000 | $1,361 |
| Trinity County | $832,750 | +3.3% | $541,287 | $175,000 | $1,153 |
| Tulare County | $832,750 | +3.3% | $541,287 | $371,000 | $1,450 |
| Tuolumne County | $832,750 | +3.3% | $541,287 | $372,000 | $1,603 |
| Yolo County | $832,750 | +3.3% | $764,750 | $665,000 | $2,135 |
| Yuba County | $832,750 | +3.3% | $541,287 | $452,000 | $1,600 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 California for 2026?
$832,750 in most counties; 17 high-cost counties have higher limits, up to $1,249,125 in Alameda County.
What is the FHA loan limit in California?
From $541,287 to $1,249,125 for a single-family home in 2026, depending on the county.