California Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 58 California counties. 30 counties are high-cost areas with FHA limits above the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
California counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Alameda County | $1,249,125 | $1,249,125 | High-cost |
| Alpine County | $736,000 | $832,750 | High-cost |
| Amador County | $541,287 | $832,750 | Floor |
| Butte County | $541,287 | $832,750 | Floor |
| Calaveras County | $541,287 | $832,750 | Floor |
| Colusa County | $541,287 | $832,750 | Floor |
| Contra Costa County | $1,249,125 | $1,249,125 | High-cost |
| Del Norte County | $541,287 | $832,750 | Floor |
| El Dorado County | $764,750 | $832,750 | High-cost |
| Fresno County | $541,287 | $832,750 | Floor |
| Glenn County | $541,287 | $832,750 | Floor |
| Humboldt County | $541,287 | $832,750 | Floor |
| Imperial County | $541,287 | $832,750 | Floor |
| Inyo County | $541,287 | $832,750 | Floor |
| Kern County | $541,287 | $832,750 | Floor |
| Kings County | $541,287 | $832,750 | Floor |
| Lake County | $541,287 | $832,750 | Floor |
| Lassen County | $541,287 | $832,750 | Floor |
| Los Angeles County | $1,249,125 | $1,249,125 | High-cost |
| Madera County | $541,287 | $832,750 | Floor |
| Marin County | $1,249,125 | $1,249,125 | High-cost |
| Mariposa County | $541,287 | $832,750 | Floor |
| Mendocino County | $546,250 | $832,750 | High-cost |
| Merced County | $541,287 | $832,750 | Floor |
| Modoc County | $541,287 | $832,750 | Floor |
| Mono County | $776,250 | $832,750 | High-cost |
| Monterey County | $994,750 | $994,750 | High-cost |
| Napa County | $1,017,750 | $1,017,750 | High-cost |
| Nevada County | $649,750 | $832,750 | High-cost |
| Orange County | $1,249,125 | $1,249,125 | High-cost |
| Placer County | $764,750 | $832,750 | High-cost |
| Plumas County | $541,287 | $832,750 | Floor |
| Riverside County | $690,000 | $832,750 | High-cost |
| Sacramento County | $764,750 | $832,750 | High-cost |
| San Benito County | $1,249,125 | $1,249,125 | High-cost |
| San Bernardino County | $690,000 | $832,750 | High-cost |
| San Diego County | $1,104,000 | $1,104,000 | High-cost |
| San Francisco County | $1,249,125 | $1,249,125 | High-cost |
| San Joaquin County | $678,500 | $832,750 | High-cost |
| San Luis Obispo County | $1,000,500 | $1,000,500 | High-cost |
| San Mateo County | $1,249,125 | $1,249,125 | High-cost |
| Santa Barbara County | $941,850 | $941,850 | High-cost |
| Santa Clara County | $1,249,125 | $1,249,125 | High-cost |
| Santa Cruz County | $1,249,125 | $1,249,125 | High-cost |
| Shasta County | $541,287 | $832,750 | Floor |
| Sierra County | $541,287 | $832,750 | Floor |
| Siskiyou County | $541,287 | $832,750 | Floor |
| Solano County | $685,400 | $832,750 | High-cost |
| Sonoma County | $897,000 | $897,000 | High-cost |
| Stanislaus County | $545,100 | $832,750 | High-cost |
| Sutter County | $541,287 | $832,750 | Floor |
| Tehama County | $541,287 | $832,750 | Floor |
| Trinity County | $541,287 | $832,750 | Floor |
| Tulare County | $541,287 | $832,750 | Floor |
| Tuolumne County | $541,287 | $832,750 | Floor |
| Ventura County | $1,035,000 | $1,035,000 | High-cost |
| Yolo County | $764,750 | $832,750 | High-cost |
| Yuba County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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