Loan Limits / California / Del Norte County
2026 Loan Limits · California · CRESCENT CITY, CA
Del Norte County, CA.
2026 conforming and FHA loan limits, calibrated to a median sales price of $295,000.
Median Sales Price
$295,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Del Norte County
Del Norte County is a county located at the far northwest corner of the U.S. state of California, along the Pacific Ocean adjacent to the Oregon border. Its population was 27,743 as of the 2020 census, down from 28,610 from the 2010 census. The county seat and only incorporated city is Crescent City. Del Norte was settled and colonized by Azorean Portuguese settlers and dairy farmers, which may account for the local pronunciation of the county name. Locals pronounce the county name as Del Nort, not Del Nor-teh as would be expected in Spanish. Del Norte County comprises the Crescent City, CA Micropolitan Statistical Area. The rural county is notable for forests containing giant Coast Redwoods, with some attaining heights over 350 feet (110 m). This northernmost county on the California coast also has scores of unique plants and flowers, dozens of species of coastal birds and fish, rocky primitive beaches and sea stacks, pristine rivers and historic lighthouses. Read more on Wikipedia →
Population
27,293
U.S. Census ACS 2023
Median Household Income
$66,780
U.S. Census ACS 2023
Median Home Value (Census)
$319,600
Owner-occupied · ACS 2023
Owner-Occupancy Rate
71%
Of occupied housing
What these limits mean for buyers in Del Norte County
The 2026 conforming 1-unit limit for Del Norte County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Del Norte County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Del Norte County at $295,000. This matches the FHA national floor — Del Norte County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Del Norte County ($295,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Del Norte County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Del Norte County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.