Loan Limits / California
2026 Loan Limits · CA
California loan limits.
All 58 counties in California with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
58 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Alameda | $1,750,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| Alpine | $640,000 | $832,750 | Standard | $736,000 | High-cost |
| Amador | $385,000 | $832,750 | Standard | $541,287 | Standard |
| Butte | $288,000 | $832,750 | Standard | $541,287 | Standard |
| Calaveras | $385,000 | $832,750 | Standard | $541,287 | Standard |
| Colusa | $395,000 | $832,750 | Standard | $541,287 | Standard |
| Contra Costa | $1,750,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| Del Norte | $295,000 | $832,750 | Standard | $541,287 | Standard |
| El Dorado | $665,000 | $832,750 | Standard | $764,750 | High-cost |
| Fresno | $430,000 | $832,750 | Standard | $541,287 | Standard |
| Glenn | $300,000 | $832,750 | Standard | $541,287 | Standard |
| Humboldt | $400,000 | $832,750 | Standard | $541,287 | Standard |
| Imperial | $355,000 | $832,750 | Standard | $541,287 | Standard |
| Inyo | $455,000 | $832,750 | Standard | $541,287 | Standard |
| Kern | $365,000 | $832,750 | Standard | $541,287 | Standard |
| Kings | $370,000 | $832,750 | Standard | $541,287 | Standard |
| Lake | $260,000 | $832,750 | Standard | $541,287 | Standard |
| Lassen | $200,000 | $832,750 | Standard | $541,287 | Standard |
| Los Angeles | $1,300,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| Madera | $430,000 | $832,750 | Standard | $541,287 | Standard |
| Marin | $1,750,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| Mariposa | $330,000 | $832,750 | Standard | $541,287 | Standard |
| Mendocino | $459,000 | $832,750 | Standard | $546,250 | High-cost |
| Merced | $420,000 | $832,750 | Standard | $541,287 | Standard |
| Modoc | $175,000 | $832,750 | Standard | $541,287 | Standard |
| Mono | $670,000 | $832,750 | Standard | $776,250 | High-cost |
| Monterey | $865,000 | $994,750 | High-cost | $994,750 | High-cost |
| Napa | $850,000 | $1,017,750 | High-cost | $1,017,750 | High-cost |
| Nevada | $565,000 | $832,750 | Standard | $649,750 | High-cost |
| Orange | $1,300,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| Placer | $665,000 | $832,750 | Standard | $764,750 | High-cost |
| Plumas | $311,000 | $832,750 | Standard | $541,287 | Standard |
| Riverside | $600,000 | $832,750 | Standard | $690,000 | High-cost |
| Sacramento | $665,000 | $832,750 | Standard | $764,750 | High-cost |
| San Benito | $1,820,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| San Bernardino | $600,000 | $832,750 | Standard | $690,000 | High-cost |
| San Diego | $960,000 | $1,104,000 | High-cost | $1,104,000 | High-cost |
| San Francisco | $1,750,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| San Joaquin | $589,000 | $832,750 | Standard | $678,500 | High-cost |
| San Luis Obispo | $870,000 | $1,000,500 | High-cost | $1,000,500 | High-cost |
| San Mateo | $1,750,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| Santa Barbara | $819,000 | $941,850 | High-cost | $941,850 | High-cost |
| Santa Clara | $1,820,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| Santa Cruz | $1,100,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| Shasta | $350,000 | $832,750 | Standard | $541,287 | Standard |
| Sierra | $220,000 | $832,750 | Standard | $541,287 | Standard |
| Siskiyou | $205,000 | $832,750 | Standard | $541,287 | Standard |
| Solano | $594,000 | $832,750 | Standard | $685,400 | High-cost |
| Sonoma | $780,000 | $897,000 | High-cost | $897,000 | High-cost |
| Stanislaus | $474,000 | $832,750 | Standard | $545,100 | High-cost |
| Sutter | $452,000 | $832,750 | Standard | $541,287 | Standard |
| Tehama | $295,000 | $832,750 | Standard | $541,287 | Standard |
| Trinity | $175,000 | $832,750 | Standard | $541,287 | Standard |
| Tulare | $371,000 | $832,750 | Standard | $541,287 | Standard |
| Tuolumne | $372,000 | $832,750 | Standard | $541,287 | Standard |
| Ventura | $900,000 | $1,035,000 | High-cost | $1,035,000 | High-cost |
| Yolo | $665,000 | $832,750 | Standard | $764,750 | High-cost |
| Yuba | $452,000 | $832,750 | Standard | $541,287 | Standard |
California at a glance
58 counties indexed. 30 are designated high-cost by HUD or FHFA. The highest GSE 1-unit limit in California is $1,249,125 in Alameda County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in California.